<prompt> Human: Long story short, I have two semesters left of college and after student loans and scholarships I still to pay 7000 out of pocket per semester. My parents have been divorced for some time, and I live with my mother. They are both toxic and I would like to escape the constant guilt tripping and controlling behaviors as soon as possible. Unfortunately I am dependent on them finically as they help pay for college. As of this spring semester, my mother is unable to help pay for the 7000 I will owe.I talked with my financial advisor and they told me about a Parent Plus Loan that my mom could apply for. Even if my mom got declined, my advisor said she would be able to give me a different loan from the school. After trying to explain things to my mom, she ended up filing for the loan and got accepted. Im not entirely sure if she actually took out the loan yet; but she told me that I would have to pay her back the 14k she took out.I think it might be a bad idea to owe her money, considering our relationship. After looking into the details of the loan, I learned that it is nontransferable and Im worried about how she will force me to pay her back. What should I do?  <response>: After looking into the details of the loan, I learned that it is nontransferable and Im worried about how she will force me to pay her back. She cant legally force you to pay her back.As for whether to take the money or not, tough choices. Theres not really a lot of great options here. You could try private lenders but most likey tehy will require a cosigner aka parent 