<prompt> Human: Graduated college May 2016. Got letters from a loan company and started paying this company monthly in November 2016. Thought I was smooth sailing!My dad got notified of delinquencies in April 2017 from NAVIENT. 1 had no idea I had loans out with multiple companies2 when I was taking out loans I did not understand this NAVIENT loan was completely in my parents name. 3 Parents credit went from mid 700s to high 500s.4 Weve sent numerous letters nothing has worked. Is there anything we can do?Assistant: If your parents took out a parents PLUS loan in their own names, then they screwed up their own credit. Thats not on you. Theres likely no way you could even know whether they were making payments on their loan or not. Bills would have been sent to them at their address, not sent to you at your address.Are your parents intending to pay the PLUS loans they took out? Are they expecting you to pay them? You guys need to figure out the answer to that ASAP. You have no legal obligation to pay back their PLUS loans, but some people feel a moral obligation to, or in rare cases some students agree to make the PLUS loan payments when theyre first taken out.If you intend to make payments on those, youll need to either forward the appropriate amount of money to your parents each month, or youll need to know the login for the online payment portal so you can login and make the payments directly.Fixing the credit issue may be stickier. How long have the loans been delinquent? You mention April 2017; are you saying the first missed payment was in April and then there hasnt been any payment made to the loan since then? If the loan is 4 months delinquent your odds of getting them to remove the missed payment notices are dismal; youd have to writecall them, explaining the misunderstanding and all but begging them to remove the missed payments from your parents cred a so-called goodwill letter. Theyre under no legal obligation to do so, but some might if you can convince them that it was all a big misunderstanding and the problem is 100 corrected and wont happen again. If youd only missed one payment, Id say your odds of getting them to goodwill it are pretty good. Two payments, Id guess getting a little less likely but maybe still plausible. More than that and its kind of a hail mary.If they wont goodwill it, your only remaining option is to try and dispute the missed payments with each of the credit reporting agencies. Depending on who you ask, the ethics of this are questionable. The only way it would work is if the lender is too busy with other stuff to bother responding to the dispute, in which case the credit reporting agencies would find in your favor by default and remove the delinquencies from your reports.Human: I took out the loans and they were under the impression they were just a co-signer. I will be paying back the loans.With Navient I pay every 6 months. The delinquency was 4 months late before we realized it. Thank you for the response. Might have to result in us trying to dispute.  <response>: just a co-signerA co-signer is 100 responsible for the loan. So if the loan was in your name, with your parents as co-signers, then when you didnt make payments, it became their responsibility. 