<prompt> Human: My older brother, younger sister, and myself all took out loans when we started college. My brother started back in 2005, I started in 2006, and my sister started in 2009. Some of these were student loans and others were parent plus loans. Fast forward to 2013, my dad calls me because his wages are garnished due to him not making payments on the parent plus loan. Turns out they were calling him for over a year but he never told us sigh. I start managing the account and within a year get us back in good standing. Today I get off the phone with fedloan after I did some math. The account has a total of 11 loans for the 3 of us. The total initial amount disbursed for all these loans is 87,575. The current principle balance on the account though is 118, 977.70. Im no math wiz but these two numbers are not the same. That difference of 31,442.70 is all interest!!! The way it works is interest starts the day the loan is disbursed and doesnt end until it is paid off. So interest started back in 2005 and has been building on itself each year, for each loan since then. My family is paying for our ignorance and poor planning. As of right now, I cant fix it or make it go away but maybe someone will read this and not make the same mistakes we did.Thanks for reading.TD;DR - Dont take out loans, unless you know exactly what you are doing.  <response>: For the record, parent plus loans are in the parents name, so they are responsible for the payments. Parents shouldnt take the loan if they cant afford the payments. By paying it yourself, you can now be held liable for the balance. Hard lesson number 2. 