My Mom Stole My Student Loan Refund
The Ramsey Show Highlights
Ramsey Network
4.5 • 839 Ratings
🗓️ 26 February 2026
⏱️ 10 minutes
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| 0:00.0 | If your private student loans are in default, you're not out of options. |
| 0:06.6 | Go to yrefi.com slash Ramsey. |
| 0:09.1 | My mom helped me take out some parent plus loans. |
| 0:13.1 | They are all under her name. |
| 0:14.7 | I went to college about $36,000 work with a verbal agreement from me that I would help her pay them back. |
| 0:22.2 | But now that it is time for me to pay them back because I am out of college and they are coming due, |
| 0:27.8 | she is requesting the $36,000 payment in school. |
| 0:34.1 | But when I look back on my tuition bills, she received $17,000 in refunds that she never put back towards the loans. |
| 0:44.2 | So I'm trying to figure out how to start that conversation of, I am not paying you $36,000. |
| 0:51.5 | I am only going to pay the amount that I used rather than that was. Yeah. So it's, I don't know, |
| 0:59.5 | it's been interesting and I don't know how to start that conversation. Okay, so can we cut right to |
| 1:05.5 | the chase here? Yeah. Your mom, and man, I hate to say this. This one one hurts to say your mom is deceiving you she's lying |
| 1:14.2 | to you yeah and i just have a personal rule that if i'm dealing with somebody who lacks integrity |
| 1:22.1 | a i'm going to make sure i don't lose my character in the process. |
| 1:32.9 | And B, I'm going to be very clear about what I will and will not do. |
| 1:35.6 | And I will see that through. |
| 1:39.8 | Because trying to preserve the relationship, she's already burned it to the ground. |
| 1:43.2 | She's trying to extort you for $17,000 more dollars. |
| 1:44.0 | Wild. Yeah. |
| 1:45.0 | Right? That's madness. |
| 1:48.0 | A parent of integrity. If I did this with my kid, I would say, hey, dude, I actually spent $17,000 on my own. You owe me this much money. |
| 1:56.0 | Right? |
... |
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