<prompt> Human: So Im posting not directed for me, but for advice on to go about my sisters education. My dad has had a falling out with my sister in the past year so my sister wants to go to an out-of-state college. She got accepted into UT and just came back from orientation. From the financial planning, the parent plus loan is 40k per year. I looked up online and saw not so many good comments about it and how it locked up parents into debt and such. Now my parents have good credit. The interest rate for federal parent plus loan is 7.9?. I looked online at wells fargo and their interest rates can potentially be lower...and higher...depending on co-signers credit. Now, the situation with my dad is he doesnt want to be held responsible for my sisters financial needs because of their falling out and her problems with changing her mind, etc - but she tells me she is focused when it comes to school and plans to work and get scholarships. 40k per year is a lot and I dont know full details of how the parent plus loan works, like when payments start and how long we are given to paygrace period, etc. My sister has no creditwork history, so Im afraid my dad will disagree with it since he will be held responsible if her schooling fails. I would appreciate any kind of advice you can give me. Thanks in advance.  <response>: I guess if I were your dad I would not cosign anything.I guess if I were your sister that means she either needs to come up with the money by herself working, or loans, and if that fails, she needs to change her plans about her education.Reality sucks sometimes. 