This is the Ramsey Call of the Day, part of the Ramsey Network.

We're going to go to Anna in Virginia Beach.

Hey, Anna, welcome to the show.

Hi, guys.

Thank you so much for taking my call.

Absolutely.

How can we help?

I am in a situation with my father who took out a parent-plus loan for not only me, but both my other siblings as well.

And there's a total of about $200,000 in debt. Yeah, and just his name.

It doesn't seem to be a worry for him, but this has been something that is constantly on my mind since I worked hard to get myself out of my own debt in my name.

And now with the, you know, the government's starting to start loan payments again at the end of January.

It's really

been a stressful factor for me. And what's making it stressful for you, the fact that he's going to

be burdened with this? Well, I never knew that there was no discussion between me and him when I went to college,

that he was going to do this Parent Plus loan and that I would owe him this money.

So after I graduated college, he was like, by the way, you owe me $65,000.

Wow. Wow.

Right. And so past couple years, I've been sending him, you know,

Venmo payments towards it. And, you know, ever since the shutdown and they stopped taking

payments, we haven't tried to do anything with it. But, um, I, I don't think it's right that I owe him that money when we never

had that discussion, but I'm torn because thankfully I am able to actually pay that off tomorrow

if I, you know, I prayed about it and that's what God tells me to do, but I'm not having that

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