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The Ramsey Show Highlights

My Mom Stole My Student Loan Refund

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5839 Ratings

🗓️ 26 February 2026

⏱️ 10 minutes

🧾️ Download transcript

Summary

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Transcript

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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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