<prompt> Human: Update from previous postCurrently owe a total of 122K in student loans spread across three lenders after paying off 40k alreadyUpdates since last post in November: Will be moving out in July with girlfriend Rent will be 1100month not including utilities Water 24mo and Electric 70mo Company gave me a cash bonus of 50Kbefore taxI am planning on using the money to make a large dent in my loans, but am not sure which one to apply it to. My mother who the Federal Parent Plus Loan is under wants me to apply it all there so the loan is no longer under her name. She also has a Home Equity Loan under her name that is due next year and was hoping to refinance with the reduced debt load. However, I was hoping on continuing my Debt Snowball which would pay off my NJClass loan completely, allowing me to roll the monthly payment into my other loans. This is causing tension in the family as my mom is saying that if I dont pay off the Parent Plus loan she cannot refinance which would result in her losing the house. I am at a crossroads and this is seriously bothering me and I am having trouble sleeping and eating over this. Not sure what to do...Emergency fund: 2,000 Roth IRA: 6HESAANJClass Loan: 22,220.8711,188.438.3711,032.448.34Great Lakes: 16,893 Direct Subsidized Stafford: 1,458.545.75Direct Unsubsidized Stafford: 1,030.326.55Direct Subsidized Stafford: 2,316.335.35Direct Subsidized Stafford: 3,683.174.25Direct Subsidized Stafford: 409.024.250Direct Subsidized Stafford: 4,478.073.15Direct Unsubsidized Stafford: 1,798.836.55Direct Unsubsidized Stafford: 1,693.596.55Direct Parent Plus Loan: 83,410.46 20,312.557.918,542.257.942,624.297.9Unpaid Interest 2,252.57Additional Info:Mother and I do not have the best relationship because I was essentially forced into a more expensive school than a cheaper state school. She would not cosign for me if I went to a state school. She was already rejected for a refinance and she does not have the best spending habits bought an Iinfiniti, goes to Atlantic City, does not budget. I want to continue with my plan because she does not take the steps to manage her personal finances...Assistant: Why would you even think about not paying off the loan under your moms name? She could lose her house because of her decision to support you and you would let her go through that to save 0.45 interest?Human: Well the issue is we dont have the best relationship because she essential forced me to go to the private school. She wouldnt cosign for me to go to a cheaper state school. Plus she was already rejected for a refinance. Would me paying 30k towards the parent plus loan really change itnot being sarcastic or facetious?  <response>: If you dislike your mother and dont want to help her, thats your own business, but isnt really a personal finance issue. The difference between paying off your highest interest loan and your moms loan is only going to be a few hundred dollars. Decide how much you value your relationship with your mom. 