<prompt> Human: Hello,Just like the title states, my mom was a cosigner. Is there a way I can pay off a lump sum of the defaulted loans? I make roughly 80k annually and I can save up the money rather quickly I live frugally, but not the 88k that is in default. I would like to do it ASAP since my mom has health issues shes 70 and under goes dialysis every other day and I would like for her to live comfortably as long as she can. As for my sister helping out, she cant. She refuses to apply for jobs and we have pretty much giving up asking her. Thank youEdit: Seems like my mom gave me wrong info. She said it was just the refund check that got garnished about 5000 and my dad is paying off the loan. Her pension cant be touched. So now Im wondering if we can consolidate with the U.S. Department of Education and enter an IBR plan.  <response>: Would it be cheaper to help your mother out financially rather than fixing your sisters mess? 