<prompt> Human: This story is pretty long, so I would like to do bullets in order to move it along.- Mother and Step-father refuse to fill out their part of the FAFSA loan application. I stay on as a dependent bc I needed health insurance, they think I will steal their identity.- Finally information is given on the phone the day I leave to move into the dorms - application is very late. I am 17 years old - do not know what Parent PLUS loans and asked for all loan types when I filled out their forms. Do not receive any money until late fall since application was so late, school constanly sending me letters about a possible default.- This occurs all 3 years of college - yes, I got a degree in that time - and my brother also gets his information this way. We would fill them out together with the piecemeal information we would get from them.-After I graduate, mom calls me yelling saying that its my fault the loans were put in hermy step-dads name - so my brother and I will need to pay them ourselves. I understand that I should have read closer, but I was very young and had absolutely no idea what I was doing. Imagine that!- I am actually fine with this, I would rather pay them off then have to be tied to them financially at this point of my life. 23f Small problem - they get a tax break if I pay them off, not me who actually needs it since I make significantly less as a single person who doesnt have a joint tax return. The tax break is also dependent on the amount of money you make.- The loans are currently on a forbearance until February while I could figure out a plan and also pay off some different loans in the mean time. -Basic Question: I am desperately trying to not be tied to be momstep-father financially - I need to figure out to pay these loans myself, but also get the tax break that I deserve.This is the only options that I can think of to get out of this, if at all possible. Does anyone else have any other optionsadvice? 1. Somehow convince a private banklender to grant me a student loan for the amount of money my parents need to pay of the Federal PLUS loan about 25k I can then pay off the private loan and get a credit that way.Thank you in advance!EDIT: A lot of you have stated that my parents would have had to have signed these loans themselves in order for them to have happened. I should have been clearer in how these played out - all the information was given online and had online signatures as far as I know. I may be missing something here, but thought I would include that. Does anyone know if actual documents were sent to them after the online forms? I didnt think so, but could be wrong.  <response>: Somehow convince a private banklender to grant me a student loan for the amount of money my parents need to pay of the Federal PLUS loan about 25k I can then pay off the private loan and get a credit that way.Dont do this. It wont work and you wouldnt want to do it that way anyway. mom calls me yelling saying that its my fault the loans were put in hermy step-dads nameThe only possible way that is it in their names is if they signed for them. So dont allow them to put all this blame on you - they are adults and they signed for loans as adults if these are actually Parent Plus loans.Also, with Parent Plus loans, realize that you have no legal obligation to pay them. None. So you are not tied financially to them through any legal means.As for how to get part of the tax break from this if you do pay them for these loans, well you could calculate what the tax break is worth and ask them to pay that much towards the student loans each year themselves. 