<prompt> Human: Hey Reddit, first time poster and I am having trouble with paying my student loans. I went to dental hygiene school in 2009. My mother had to take out a parent plus loan at this time. I changed my major to nursing and graduated in 2013. I started to pay my student loans that following summer. My loans started at 36,000. Between making extra payments and my tax returns I managed to get my student loans down to 26,000.I have two children and they are 3 years and 7 months. I have a husband as well. We did the math and decided to have my husband stay home with the children because it would cost more to have them daycare. We live in an apartment that cost 640 a month which includes internet. We do not have cable. My phone is 160 a month, electric varies from 90-120 a month and I pay my car insurance in advance. The problem came when my mom decided I need to pay back the Parent Plus loan. From interest it is now 22,000. The payment on that loan in 290 a month. My loan in 300 a month which leaves me with a 590 a month payment with my loans. My mom has student loans of her own. She originally took out 19,000 and put them in deferment now it is 60,000. She is after me because they are going to garnish her wages 800-900 dollars, but if I pay on the parent plus loan then she will only be garnished 600-700 dollars. I really dont want to be like my mom. I want to pay on my loans.I make 18 an hour and work 36 hours a week. My paycheck is around 990 every two week. We are trying to decide between few different solutions.My father-in-law help us get a trailer and live on his land which is an hour from where I work.We have 6000 in savings and make a payment on the student loan which would take my loan payment down to 230. Move to a higher paying area but I have my associates in nursing so it is harder to find a job if you dont have your bachelors. Any advice. I am at a loss.  <response>: Legally, the Parent Plus loans are hers. And it may be crass to think so but it shouldnt be your problem that she let her loans balloon to 3x the size.Morally, of course you probably want to help her pay back the loan she took out for you, but that can come after youre in a better position for yourself and your family. Absolutely leave your 6k in savings. That is a great emergency fund for you.If you want to try and find a better paying job then you can do that, just know that you should be dealing with your 26k before you consider paying the 22k she took out for you. 