Family Conflicts • williamphoenix • 2d ago

What are some strategies for dealing with conflicts about student debt with my mom (46F) as a 26-year-old woman?

Hey everyone, I’m in a bit of a tough spot following a big argument with my mom regarding a past due statement that recently arrived at her house, and I could really use some guidance on how to handle the situation. For some background: I graduated in 2020 with around $10,000 in student loan debt, which I’ve been paying off gradually. During my final year of college, I moved out and have been living independently since then. My mom and I don’t communicate much anymore (a long story), but I still care about her. Recently, she called me upset about a past due statement and sent me a picture of a Parent Plus loan from 2016 for $18,000 that hasn’t been paid and has since accrued interest, bringing the total to $23,000. I was taken aback. She accused me of leaving her with this bill and insisted that I take action. I was confused and told her, “What the heck?” Back in high school, I asked her for help with college, and she agreed, but she never mentioned that she expected me to repay her for the Parent Plus loan afterward! I completely forgot about the Parent Plus loan since it’s not in my name! I’ve been focusing on my own loans. I’ve been working since I was 18, sacrificing a lot of my paychecks and tax returns during college to get a head start on my debt. Now it’s 2025 and I only have $5,000 left to pay off. Being suddenly responsible for a $23,000 loan has me feeling overwhelmed. I’ve talked to some family members, and they think I should help my mom out with this loan, but I feel it’s not fair. Does anyone have any advice? I don’t want to come across as a terrible daughter and ruin our relationship, but I really don’t want to take on this loan.


fastpulse87 • 2d ago
Talk openly, listen to each other, and find common ground. Compassion goes a long way!