<prompt> Human: Hello,I am 30, married, and both me and my wife earn a good amount of money. I graduated with around 140,000 in personal debt, and currently have that down to 35,000. This remaining amount has a interest rate of 4.5 fixed.My mother, bless her, took out a Parent PLUS loan when I was in grad school to help me pay for it. Long story short, my mother is currently in bankruptcy, and there is very little chance she will ever repay this loan. Thats fine, I am the cosigner, I know I have to pay it, but I want a quick option check if you do not mind. Her parent PLUS loan I am a cosigner on it was originally for 35,000. It currently has a staggering interest rate of 9.5. It is currently around 80,000, and in deferment due to her bankruptcy. I am willing to simply start paying this loan down my opinion is ignoring it is simply the worst anyone can possibly do, however she seems to believe that once she comes out of bankruptcy she will be able to get the interest wiped out and the balance bought back down to origination. Outside of whether or not this is actually possible, I have doubts they would do it on this particular loan simply due to the fact I am a cosigner, and I am doing well. She is not out of bankruptcy for another 2 years, and if shes wrong thats around 20,000 additional debt I have. Am I correct in my assessment that there is very little chance the provider will give any headway on the interest amount? And given that assumption is true, my best bet is to let my 35,000 4.5 fixed, in my primary name, sit while I start making larger payments on the 80,000 cosigned? Thank you for any opinions you can give!  <response>: You are not the cosigner. Parent plus loans are not allowed to have co-signers that are the child benefiting from the loan. Parent plus is for the benefit of the child only. Do not make any payments until speaking to her bankruptcy lawyer about if this debt will be eliminated. If you pay now, it may reduce her chances of getting the loan eliminated. 