<prompt> Human: First off, sorry for the wall of text. Long time reader and sponge for all the knowledge shared in this subreddit. I think its amazing how people come together here and share what they know, and how this information has helped people recover from all kinds of circumstances to help set their lives on track.The situation is this, my girlfriend went to college whos out-of-state rate is around 40k a semester. She went here for five years, paying the out-of-state rate for the whole time. This schooling accrued some 200k in the Direct Parent PLUS federal loan which is in her mothers name as well as some 30k loans in Direct UnSub federal loans which are in her own name. This is some crazy amount of debt for, especially seeing how she went to school for a field which makes an average of 40kyr--she has yet to get a job in her field though, and is making minimum wage as of now. She is trying to get a job as a park ranger, but has been having difficulties finding a job, Right now, she is working as an Environmental Educator at minimum wage, and I remain hopeful but doubtful that the situation is going to change in the near future. From what I gather, her idea was to enroll in the Public Service Loan Forgiveness program once she gets a job in her field while paying her loans on the Income Contingent Repayment plan for the entire ten years it would take in order to qualify for loan forgiveness. The problem with this, as you may guess, is that the vast bulk of these loans are entirely in her mothers name, and as such, these repaymentforgiveness options on the PLUS loans are only available to her mother and not her. When I became aware of this situation and the gravity of the loans, I immediately hunkered down and spent the past year learning to code so I could switch careers and make more money. I am now just beginning an entry-level job as a software engineer at around 60kyr. I have about 50k in student loans myself 30k in SubUnsubsidized loans and 20k in low-interest private loans. When I graduated, I saw this amount as unfortunate I could have been smarter with my money in college, but as a manageable amount of debt. Her mother is currently enrolled in an MBA program, from which she will graduate come this spring. As the Parent PLUS loans are in her mothers name, I think the start of repayment on these loans begins some months after she graduates from this program, and its stressing me everyday thinking about how we will handle this. At the standard ten-year repayment plan rate, her mother would be responsible for around 2,400 a month from these PLUS loans, let alone what she owes for her own MBA which I believe is being covered by her current employer, but Im not 100 and her mother has, obviously, been stressed about this situation as well. If we were to pay for these, in addition to what we owe in our names, the monthly rate would be larger than our income. Her mother has indicated several times that she wants us to find a way in which we could have these loans signed over in our names, an idea which terrifies me. So Im not sure the best course of action from her. From how I understand it, it seems as though her mother could enroll her in the Public Service Loan Forgiveness program if she were to find an alternative job as the Parent PLUS Loans seems like they qualify for this , but that might be problematic with her other personal student loans some companies pay for continuing education only if you stick with them for X amount of years and Im not sure how her MBA was paid for. If she were to do the PSLF program, and sign up for the Income Contingent Repayment Plan, we would be able to HELP, but not to fully take over the loans. That would be the ideal circumstance, as far as I can tell, but does anyone else have a better idea of what we could do to manage this insane amount of debt?tldr; girlfriend owes 30k in student loans and her parents owe 200k in Parent PLUS loans. Looking for the best way to make this manageable...  <response>: DO NOT under any circumstances put your name on those loans. If your GFs parents are worried about it they need to sign them over to her, not you. You would be crazy to assume that kind of debt. 