So, I have a bit of a story here and I already hate myself for it so please give some grace and understand I was stupid.
When my mom and dad got divorced mom forfeited dad’s retirement and instead dad agreed to fund college. So then I started school and got minimal help. I was pretty much on my own going to school and working 40 hours a week. My dad has money, he is just cheap and on his fourth wife. He’s also a good man, just different than I am.
So when I started missing classes and I was working all the time I made really bad decisions. One of those was applying and accepting a parent plus loan and signing my dad’s name. Yes- I know I should probably have gone to jail. In my immaturity I thought I deserved it. So now we are almost 15 years later, I have been trying to make the payments but my dad has substantial income so substantial payments. I talked to my lawyer and because dad found out all those years ago and did nothing legal about it, at this point he’s involved and could also be in trouble. I am really close on my personal loans to being done with pslf.
I keep trying to consolidate that loan into my name- no dice. So every month as long as I email dad a reciept that it’s paid.. he doesn’t mention it. The man has worked hard his whole life and his forth wife almost left him. The balance has now almost doubled and I don’t know what to do. I don’t want to mess up dad’s chance to retire. I also can’t continue to afford it. I keep hoping it might catch the Biden forgiveness thing but no such current luck.
Is there anything else I can try? Do you guys have any advice. I took the loans around 2007-9. The total now is 62k, I borrowed 38k. Please help.
Posted by brockb86