<prompt> Human: My fiance just graduated and her parents took out loans to pay for school, she agreed to pay this back verbally. The loans are apparently parent plus loans on a 25 year schedule, totalling 54k. She graduated in May and her parents are telling her the payment due on these loans is 800 a month and starts due in November. This seems high to me and before the sixth month grace period for start of payment..To clarify she has Stafford loans in her name at the cost of 27k. She went to an in state public school with tuition in the 15k range. She also was informed that some of her living expenses were included on this FAFSA loan, I dont think this is possible. She also had a job all four years and covered some of her living expenses, it was a federal sponsored work study program.Her parents have claimed that they put 20k into her loans already which doesnt seem possible. So Im really unsure about these loans for a couple reasons1. I used time value of money to calculate the loan payment for 6.5 interest, got this from FAFSA website. The payment came out to be less than 400 a month. To get 800 a month on this principal you would have to be at a 18 interest rate which is absurd. It cant possibly be this high if backed by the government.2. Her parents refuse to supply an itemized list of the expenses on this list, shes asked and they wont provide it. Instead they say theyll walk her through their loan payment portal. To me this is sketchy, they need to provide her with this information for login so we can go through them together.3. This may be better for rrelationships but her dad becomes extremely combative and angry whenever questioned by her about the specifics of the loan. To me this is indicitave of this not being entirely her loan, they are trying to have her pay for things she didnt accrue.4. She has the previously mentioned Stafford loans in her name as well, these adding together seems extremely high for her education cost. Her parents claim to have paid 20k on her education already, I dont believe this, it would be 100k plus for her education to an instate school.5. They have previously pressured her to refinance these in her name, saying consolidating in her name reduces the monthly payment. This could be true but pressuring to take debt into her name without telling her the specifics is to me, very sketchy and at all costs should not be done.6. They are additionally pressuring her to pursue her masters right away as the loans will defer until she completes the degree. They are trying to dissuade her from even thinking about working and paying off whats in her name first. We are moving and will need a year to establish residency to get in state tuition and I proposed working for a year and paying these off, we can easily pay off the 27k in her name in a year with our jobs, while waiting for residency. Her parents when informed got EXTREMELY combative and berated her for days about this being a bad decision for our future. Are they correct?So my solution is to not engage with them and tell them they are in their name and she isnt paying. Is this a valid course of action? Im really looking for all insights on this as Im trying to wrap my head around what exactly isnt being told by her parents. Thanks for any help you can provide.  <response>: Parent PLUS loans are taken out by the parent, in the parents name. Your girlfriend has no legal responsibility to pay those loans. Obviously, she needs to pay back the loans that are in her name. She can get a complete picture of the federal student loans in her name by logging in to the National Student Loan Data System. She can also request the details of her financial account with the school which should show charges, payments, loan disbursements and refunds, etc. and help her determine what may have happened. Beyond that, this is a personal conflict she is having with her parents over how her schooling was paid for. Its impossible to know whether her parents legitimately used all of the loan funds for her educational benefit, how much they borrowed, what the payment is, without their cooperation - because those are their loans. 