<prompt> Human: So I graduated high school early at 17 with independent studies I had no idea what I wanted to do. My family kept saying I was pretty creative and that I should be a fashion designer. So, in my naive mind, I went for it. Applied at the Fashion Institute and got accepted as a fashion design major. 1 semester later, I fucking hated it, so I switched my major to Visual Communications. Still hated it. I moved in with my SO, at the time, in a nice apartment in LA. Had everything I wanted, still hated it. In the midst of all this, my mother had an oops and got pregnant. She is not too fond of abortion. I, on the other side of town, got through almost a full year of school 26,000year and decided to drop it, I hated fashion.Obviously a new child takes a toll on finances so my mother decides to take away her promise of helping me out to pay back the loan. 7,000 of the loan 20,000 total is in my name. The other part is covered by my mom on a Parent PLUS loan. If anyone knows anything about loans, they know the PLUS loan is only is the parents name and the student has absolutely no obligation to pay it back. I am just now getting on my feet, I have a FT job at a bank with great pay, Yada Yada Yada. I just got my credit score up to fair from the low 500s. My mom is asking for over 200month to pay the loan in her name down, which is too much for me. She has blamed me for her horrible credit, the inability to get a new car, and the inability to refinance her house. I have stopped talking to her another rest of her side of the family because they all haves end me countless messages about acting like an adult and taking the responsibilityWorking at a bank, I have considered consolidating all the student debt into one loan, but fear it will take the biggest toll on my credit. My car is basically in the shit hole and I will soon need to finance for a new one I am saving now for thatMy personal stance on this is that, as a consigner, you have the responsibility from the beginning to help out with the loan. You are signing yourself as responsible for the loan if anything were to happen, especially since my name isnt even on the PLUS loan. My mom is an accountant and I know she knows the responsibility that a consigner comes with.Reddit, what should I do? TL;DR My mom consigned for a school loan, had an oops pregnancy that took a toll on her finances. She is blaming me for her bad credit and inability to buy a new car or refinance a house. Our relationship is ruined because Im not 100 on my feet yet and cant match her 200month that she wants. I am considering consolidating the loan with my work I work at a bank, just to get her to shut up but my credit will be ruined if I do that.Note: My dad laughs at this because he divorced her because she was terrible with money. I am on my tablet at work, apologies for any errors!!!  <response>: 26,000 a year... for a fashion degree? 