Okay, but your language suggests you really aren’t 100% aware of how Parent Plus loans work: YOU don’t take out Parent Plus loans and have your parents co-sign–they are wholly in their name, not yours, and they are their legal obligation to repay, not yours. Your parents need to know this, if they don’t already. Of course you and your parents may have whatever understanding you like about handling loan payments, but that doesn’t mean these are your loans.