<prompt> Human: Long story short, my parents took out a large parent plus loan during my college and used it for themselves. I have been repaying it for 4 years without making a dent. I am going to stop paying it, but am concerned they will fraudulently refinance it into my name from theirs. Is there anything I can do to stop that from happening? Thanks  <response>: They cant, ever. Thats the while point of PLUS loans. Im surprised you were even paying it at all as you arent legally obligated to.However, I would still freeze your credit. 