<prompt> Human: So my fiance and I just graduated college and we both have jobs lined up in Denver and were doing pretty well. She has some college debt in her name, 27k, that she is directly responsible for.Her parents however, have 60k in debt they are saying is hers from college, parent plus loans. They have reconsolidated these with credit card loans to get to the 60k in debt. This credit card payment is apparently money that they sent her for food and living expenses, without telling her it was future debt. This all piled up with them shoving credit card debt into a separate loan and then consolidating with their plus loans after she graduated. An important detail, shes not on any of these loans, and she cant be unless she signs refinancing paperwork.In my opinion its not her debt, especially when they wont tell us what is on any of these loans. They refuse to give an itemized list of the charges which to me is very sketchy, for lack of a better word. Its also possible that credit card debt that she didnt incur was put on these loans and she shouldnt be responsible.My questions to reddit, the refinance in her name is a terrible idea, correct? Her parents consolidating credit card debt with her plus loans was a terrible idea? Is she responsible for any of these loans?  <response>: 1 HORRIBLE idea. She has zero responsibility right now for any of that debt. None.2 Doesnt matter. NOT HER DEBT. Because it is their debt they can handle it however they want- which exactly what they did.3 Nope. Shes only responsible for loans she personally signed for. The reason the debt was incurred DOES NOT MATTER.She needs to pull her credit report to make sure her parents didnt put anything in her name without her knowledge. I know that sounds shady but her parents have established they have shady financial practices.Be ready for this to get very nasty. What happens if she says no? Will they keep heaping guilt on her andor get mad at her? If so they have decided money is more important than she is and she may or may not be able to come to terms with that. Im so very sorry shes going through this but her parents dug this hole themselves and will need to get themselves out or else they will decimate her and yours financial future. 