<prompt> Human: My parents need financial help, and over the many years have helped me, so I feel that I should repay them.I am going to graduate in Spring, and will be an EE major. I have been working for the govt, and they said there is a 90 chance of conversion to full time fed employee. I have a 4.0 GPA, and am 32 years old.I was thinking of taking out an additional 13k student loans and then gifting my parents money throughout the year less than the 14k gift tax limit. Any thoughts on this? I currently owe around 35k. I think this will amount to me paying an additional 7k in interest, as well as taking an additional 3 years if paying at 500 per month.I know they could really use money, and they say they will need to move this year because they cant afford the house, but they love this house and I think it will take a toll on their health and happiness. I feel that a lump sum may be able to prolong moving until I make more money and can help out with additional monthly payments.Any thoughts or ideas are appreciated. Is this 13k lump sum going to make a big differences in someones situation? I am really looking for people to encourage me to go this route, as I want to but for some reason feel I should get some support before I embark on a larger student loan. To me, the additional loan seems negligible for the opportunity it may help.Thanks!  <response>: This is a very, very bad idea. Not because of silly reasons like it violating the terms of the loan, but for the obvious reason that you are taking on a large amount of toothy debt. You have to pay back that debt, and until you do, its going to sit there and grow.If you want to help them, save up money yourself and give it to them. If you cant do that, then you definitely cant afford to take on debt to do it. 