<prompt> Human: Basically: my dad called me last night because he found out yesterday that he had somehow forgotten the parent loans he took out for me while I was in college. So my debt went from 46,000 to 88,000 overnight from my perspective.My dad has always been very good about money and budgeting so this has come as a huge surprise. I dont really even know how to process this.My payment will be 1100mo. I gross 2900mo. I know I can forbear if the payment is 20 of my monthly gross income, but since 600 of that payment is technically my dads, it doesnt count.What is my best option for managing this? I dont know of any options since the loans are separate entities.Thanks for any help.  <response>: Why did your dad take out loans for you? Where did you think the other 40k came from when you used it?I just dont see how this big of a loan could be forgotten about. Something seems fishy. 