<prompt> Human: Continuing off the title, Im a sophomore in college coming from a middle class background and my family has been consistently terrible at managing money. This is amplified by the fact that my dad has suffered pay cuts and has struggled to find another job. Over summer, it got so bad that he started driving for Uber and had to borrow money that I made from my summer internship to pay bills. Also, my parents are in the process of divorcing mainly driven by financial reasons but are still living together because they cant afford two separate places and theyre on good terms. Naturally, their lifestyle has been pretty modest.As for me, Im currently a student living in the dorms of an in-state public university. Last year, after scholarship and need-based aid, my family took out about 10,000 in student loans which left around 8,000 on the table and we made it through the year. Altogether, my parents put forward under 2,000 of their own money toward my education last year. Coming into this year, I let my parents handle financial aid then went on to check a couple weeks ago and saw that my mom had taken out an abnormally high amount. After running some calculations, I saw that the total loan amount was 20,000, nearly double what we needed. I approached her about it and broke down the math then she said that it was what we had done last year. Im not sure if she actually believed that or if she was just getting defensive or whatever, but she said that the interest on the loans didnt start accruing until later so I figured that there wouldnt be much harm in having the money out right now.So I left back for college a bit over a month ago and just kinda put that behind me. I know that despite my parents best intentions, their promises to pay back my student loans are empty and Ill be paying them back myself. Im confident in my job prospects out of graduation so Im not too worried. Theyre going through a lot, I got this.Anyway, scene cuts to a couple days ago and I have lunch with my mom for the first time since I moved in. She suggests a rather upscale place and says not to worry about it because shes paying. She also dropped 400 for her and my sister to go see a show then realized that they missed the date so she dropped another 400 for the right tickets. Then she was talking about going out with her friends for drinks and such like she was doing it multiple times a week. I thought it was abnormal but didnt think too much into it.It kinda dawned on me the next day that the lifestyle change almost perfectly coincided with the deposit of my student loans. Im not exactly sure how each loan works but I know that at least around half of the 20,000 is in my parents name. I dont know for sure if she is using my student loans for these purposes and she has been working full time, but I cant imagine where else the money would be coming from because I know she hasnt gotten a raise in at least the past year. Is this something that can happen with student loans? Should I approach her about this and how? Any advice would be appreciated.Edit: Just to clarify, theres absolutely no animosity between my parents and I. Were still a family.Edit 2: It sounds like my mom is drawing from the Parent Plus loan pool which isnt in my name. Still not a good situation but at least its not affecting my credit I dont think?Edit 3: Appreciate all the responses, its good to hear that this wont fall too heavily on me no matter what happens.  <response>: Wow your mom is literally taking your money just to waste it all under your name. Thats illegal, unethical and extremely shitty. You need to approach her and explain that you both need to have honest, open communication so you can fix this. Theres still time to handle this debt before it becomes unmanageable and there still time to save your relationship with her. Otherwise this is gonna end bad 