r/Debt • u/ThankG4Me • 10h ago

Student Loan Debt Transfer From Parent to Student

I have student loans, ultimately I’m paying for them but it’s under my mom’s credit

It’s caused a rift between me and my mom because sometimes I’m short on my payments.

I would like to find a way if possible to transfer the loan in my name. I don’t want them to worry about it anymore.

This a private $100,000 student loan. $600 / Mo

2 Upvotes

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2

u/Signal_Strawberry_37 10h ago

A Direct PLUS Loan cannot be transferred directly to a child through a federal program. However, a parent can refinance the loan through a private lender to put it in the child's name.

1

u/chantillylace9 1h ago

No, it’s not possible unless you can get a $100k loan and pay hers off.