@TexasMTDad - obviously no one should ever put their finances at risk to fund school expenses! But one thing about student loans - if you can’t afford to pay them you are still stuck with the debt. There is no “forgiveness” for parent plus loans other than at the extreme low end of income and even then you’re stuck with 12 years of payments. And the monthly amounts that you need to pay on an 8% student/parent loan are far higher per month than the equivalent amonts on a 4% mortgage. So if you think additional amounts on your mortgage might cause you to go over what you can reasonably pay… truly think twice and then think twice again about taking out a parent plus loan!