Mark's fiancée was blindsided by a $100K Parent PLUS loan her parents secretly took out and are now demanding she repay — despite her having no legal or moral obligation.
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At 2:00:07 · chapter starts 1:58:50
Mark's fiancée thought her college education was being taken care of by her parents, with only a small federal loan in her own name. Going into her senior year and newly engaged, she was blindsided by a $100,000 Parent PLUS loan her parents now expect her to repay. Dave and George walk through the legal reality: Parent PLUS loans are in the parents' names; the child has no legal liability. The moral analysis is equally clear: she never agreed to this arrangement, didn't even know it existed, and therefore has no moral obligation either. But the practical reality is harsh — telling her parents no will fracture the relationship, likely color the wedding, and create decades of drama. Dave bluntly calls the parents 'jerks' for springing a six-figure debt on their daughter in the 11th hour, and warns Mark that this dysfunction will bleed into everything with this family going forward. He also uses the moment to condemn Parent PLUS loans more broadly as destructive to families.
Mark's fiancée discovered a $100,000 Parent PLUS loan she never knew existed, never agreed to, and is now being told she must repay. Dave's verdict: she has zero legal liability and zero moral obligation. But she does face a hard relational conversation — and probably decades of family drama with people who pulled this stunt.
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