Let The Government Garnish My Dad's Paychecks?

[Music] brought to you by the every dooll app start budgeting for free today all right today's question comes from Ava in Rhode Island after my undergraduate studies which I did on scholarships I was accepted until law school I graduated under the impression that I had about $80,000 in student loan debt I didn't know that my parents also took out a parent plus loan or loans and they now say that I owe an additional $75,000 I admit that that part is my fault but when I was 18 years old is when they did this and I didn't understand the ramifications of this type of loan I have opened a law practice in my hometown which is small so we only have two stop lights so my income is very low my law license could be taken away if I default on student loan debt and the monthly payment is eight is about $800 just on the loans that I took out should I allow my father's paycheck to be garnished for his part of the debt or should my husband and I buckle down and take it on ourselves wow good night yikes we're getting into the garnishing so that means it sounds like there's some tension and and and arguments about all this so she didn't know her parents took out $75,000 yeah and we hear this a lot that either it's miscommunication or you know it's just done and there is no communication um and in this so I mean well the what's your take on the parent plus situation what's your take on what the parents owe versus her well I mean it was for her degree but it's under their name I know I mean so and they didn't tell her yeah so do you have I just want to know your opinion on that I mean in this situation I'd rather not get into a fight with the dad and have him come after his paycheck that's not going to make for a very nice Thanksgiving no yeah and you don't want I mean you hate to see relationships end over this stuff I get out of this small town and start making some real lawyer money what I did I think that's the key I don't think you can afford to to practice in your hometown I think you have to go somewhere else make law your kind of money and it's going to take a little while to get to get everything built up but it's very doable yeah so I think the 80 grand is her portion that she knew about what do you think about the 75 I know I mean the parents signed it right I know I'm looking for an opinion over here I've got one I mean I think it's the parents responsibility at that point if you take it out on an 18-year-old and you don't tell her that's on you I agree I agree I agree what does the audience say out there in the lobby they agree with youel that we got thumbs up I love this audience James this is the most active audience that I've I've been with in in months and months and months they're they're giving us the thumbs up thumbs down it's real time focus group right here and these are ramsy people so Rachel I agree the sticky part is the sounds like Mom and Dad are not in agreement well and I wonder she's 18 so she's after law school right so she could be early thir this could have been 18 years ago when all this was going on I got can I go back to the audience real quick yeah audience do you sick the uh loan people on them and let them garnish pops wages wow we're getting we're getting I got mostly yeses one guy says no wow okay because it apparently it's going to be an ugly Thanksgiving anyway so I think I'm siding with the audience man okay I like this real time focus group stuff CU I here's why I'm I'll be honest with you you all bailed me out because that's where I was going to go uh at first I said no but then I was like o started thinking through it I don't want to be heartless I know and I always wonder about these situations cuz she's 18 when this happens so maybe what if they had told her and she forgot because it was two separate conver you know what I'm saying like I don't think they did the way she of course we this is why we need these people on the phone but bottom line is uh she she she throws it out there should my husband and I take on so she's got some character uh this is a this is a a woman of character here so I don't know we'll see it was taken out in secret so no I don't think you owe it in secret I agree create your free every dooll budget today the simplest way to budget for your life