Totally agree with @compmom and love the attitude of the OP. Already tired of the postings of how a 20k loan is so scandalous, Mayberry was decades ago. Everyone has a different financial situation - borrowing 50k every year works for some because their investments will wipe that out in 10 minutes when college is done. I find it most surprising people don’t trust their kids and won’t sign a loan to begin with. This kid may pay it back someday or was never expected to in the first place. Or all the dangers out there…c’mon he’s 19 and stepping out of the box can be the best thing ever.
OP obviously wasn’t at all concerned about the money and isn’t gonna abandon her kid for a lousy 20 grand which doesn’t even buy a good used car these days. When a thread goes on and on repetitiously with unjustified statements of doom and gloom it just becomes silly and not useful to the OP.