 Mom and Dad took out the loan, and nobody ever said anything to nobody. And then Mom and Dad come back later and go, you need to pay for your college. No, I don't. I didn't tell you I'd pay it, and I'm not going to pay it. So there's no moral contract, and Mom and Dad are up a creek. Bottom line is you can avoid all this by staying away from the stupidity completely. No student loans of any kind are good in no freaking circumstances.