<prompt> Human: Loan is through Navient, started out at 43,000 with a 6 interest. Loan is now 46,000 even though I already paid about 25,000...but most of that has gone to the interest payments. The only reason why I havent been paying larger amounts is because I dont see any real benefit. The loan isnt under my name so I cant claim the tax deduction...nor will they allow me to take the loan over. The loan is 10 years old at this point and I dont know what I should do about it.  <response>: Technically speaking you dont have to pay that loan at all -- its not your loan. Any real benefit is going to be entirely moral relationship with your mother.edit: not sure why Im getting downvoted. I paid off every dollar of loans my parents took out in their name. But I didnt legally have to. OP asked whether they should pay more aggressively. Thats really not a PF decision, its a relationship decision. 