My 15 year old has been whining for 3 years she’s the only kid at school that doesn’t have a MacBook. Life is hard! She saw the whole process play out with her older brother.
Not to be morbid, but your kid can promise all day long that they will pay back the loans, but things happen. My friend’s son was killed in a car accident weeks after finishing school. Guess what? They co-signed and the loans they had didn’t go away with their son’s passing. 6 years later they are still making payments.