<prompt> Human: Hello,Im in a little bit of a unique situation. My parents agreed to take out a parent plus loan in addition to my student loan, with the understanding that Id be on the hook for the bills. I was fine with this when I was 17 and dumb, but now Im struggling like so many others.Im paying a total of 80K between my student loan and the parent plus loan. I already have my student loan on Income Driven Repayment, however the total for both is still close to 1000 monthly. Due to a lot of medical absences in the past few months, this is about 40 of my monthly income. Im drowning! What can I do to reduce this payment? Ive stayed afloat for a couple years, but Im not sure Ill make it another 20 years.Thank you,NickAssistant: Tell them you cant afford to make the PLUS loan payments and that you need help. Pick up a side job, if at all possible. There isnt much else to this.Human: Thank you for the advice. If I tell them I cant pay the PLUS loan, wont they just ask for my parents finical situation? As it is in their name.  <response>: Im saying that you tell your parents that you cant pay it so that they can. They had to expect that a young person who has a huge student loan and probably not an enormous income would have a real problem repaying 80k in debt. 