<prompt> Human: The total balance owed is 4500. These are two separate Federal Stafford Loans; accounts opened in 2010. I was not a cosigner on these loans.My mom now lives out of the country, and has no assets in the U.S. She has very poor credit, and has no plans on buying a house or anything of the sort here in the future. I talked to my mom as Ive been paying her monthly dues for the past couple years now, and I just cant keep up with the payments I have my own student loans to pay as well. If she defaults on her student loans, will it fall on me her son to pay the rest off?  <response>: Short answer: If you have not listed yourself on the contract through co-signature, you have no liability for the loan. Collectors may attempt to solicit the payment from you based on data in the file your history of payment, but they cant do anything more than ask you for the money. You can stop them quickly by requesting proof of liability. Every state has a statute on repayment of debit, meaning that they have between 4-10 years depending on the state from the date of last payment to collect. By making her payments, you would only have extended the statute, provided your mother intends to default. Having said that, student loans are a funny animal in that they never go away - not even through bankruptcy - so I dont think it matters anyway. Bottom like: Not your problem - walk away. 