<prompt> Human: So. I made a very stupid decision when I was 18 to dorm out of state. I didnt really understand the concept of money and responsibility in general at the time. I flunked out pretty hardcore at my 3rd semester. Yep. I went for three fucking semesters and somehow ended up this much in debt. Im still in disbelief at this everyday. And still a part of me feels like I was over charge or for an extra semester or SOMETHING. I dont comprehend it The vast majority of the debt is in my parents name as a parent plus loan. Only 8 grand if it is in my actual name. I can get rid of that easily. I make 12.12 an hour with regular 5-7 percent raises each year until topping out at 20 dollars an hour after 10 freaking years. My parents refuse to pay off their loan and burden me with it. Granted I do have a sweet deal. I dont pay for rent or food or car insurance or even me cellphone Bill. But neither does my sister and she has no debt whatsoever and shes getting a free ride. She treats me and my parents like total shit and they just take it everyday. I dont get it. Plus they shut down every time I ask for some help on paying it off like getting rid of some luxuries temporarily until the debt is paid off and they just wont. It makes me feel so powerless and so pissed off that they wont make any sacrifices to just pay this crap off asap. Im at a complete loss at what to do right now. Ive recently been just working a shit load as much as possible to pay off the stuff in my name at least and making the minimum payments of 400 dollars a month on the parents loan. I feel like I cant make any career moves. I have no credtionals. I did teach myself a good amount of programming but I cant see myself getting any sort of position without a degree. Im so lost guys. I dont know what my next move is and I feel like my life is just completely fucking stuck in the starting gates.  <response>: A Parent Plus loan is taken out by the parents of the students. If they fail to make payments, their credit score will take a hit, not yours. Also, the company giving the loan cannot come after you to pay off this loan, as its your parents debt after all.That said: you live at home, for free. If you stop making the payments, Im pretty sure your parents say: Well then, were done, go live on the streets for all we care.So you dont have a lot of leverage here. Paying the 400month for the parent plus loans is probably cheaper than having to live on your own rent utilities. I would not look at your sisters situation. Comparing yourself to her is not going to do anything useful for you. This isnt about her, this is about you. What are you going to do to improve your life? 