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Here's the summary. In 2012 my dad cosigned with me on student loans in order to attend university. One of these was a Parent Plus loan for the maximum eligible of $17,000. We both thought that I would be the one making payments on these loans two years down the line when I had the degree and a stable job. I got the degree and the job and begin payments next month, so that's all good. The problem is the Parent Plus loan. The bill showed up yesterday, but not at my apartment, it went straight to my dad who had cosigned the loan with me. I contacted Fedloan about this, to get the loan placed under my name where it would be part of my current Income-Based Repayment plan, which is part of my Public Service Loan Forgiveness program, but they told me in no uncertain terms that the parent is on the hook for the Parent Plus loan and there is nothing I, the student who received the money, can do about it. If we had known they would be the ones expected to pay, and that I wouldn't be able to take on the loan myself, it would never have been signed. But we didn't, and we did, so here we are two years later and ready for this to get real ugly.
My parents cannot take the hit on their finances this loan would cause. I can, because of my IBR plan which brings my total loans (according to Fedloan's site) to $10 a month payments for ten years before complete forgiveness. I need a way to take that Parent Plus loan and put it under my name and my plans so I can be the one making payments on it as it should have been from the start. Failing that, I need a way to soften the blow as much as possible. Right now they're looking at consolidating the loan and proceeding from there. Any advice or suggestions?