<prompt> Human: All the loans are publicfederal loans, so fairly low interest rates under 10. However around 22k is in my parents name via DIRECT Parent Plus loans and half in my name 24k with sub and unsub loans.Doing calculations on sites, it looks Ill have a pretty big loan payment monthly...around 600 a month for 10 years. Which is pretty rough especially just starting out. Will I qualify for the extended repayment plans?I see you need 30k or more to qualify, which I do if you count them both but I dont if you count only the ones in my name.  <response>: Parent plus loans are not your debt, theyre your parents debt. You have no legal responsibility to pay them off. 