My Mom Took Out Student Loans in My Name for Someone Else

The Ramsey Show Highlights

Ramsey Network

Investing, Self-improvement, Education, Business

4.5 • 840 Ratings

🗓️ 16 January 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:06.0	So I'm calling for some guidance on what to do about some student loans, one of which my mom took out in my name without me knowing.
0:18.0	Who got the use of the money?
0:22.7	I don't know.
0:24.5	So that's the other thing I need help with.
0:27.7	Who's the option?
0:29.1	Would it have been for you or for a sibling?
0:30.9	Or for her, for a sibling?
0:32.7	She bought a car with it, go to Europe?
0:35.8	I don't think she bought a car or went to Europe, and she didn't spend it on a sibling,
0:40.4	but I'm trying to make sense of the numbers.
0:43.3	So the first one that I did know about was for $20,000.
0:49.8	But I recall that my tuition was only about 17 for that year.
0:56.3	And so there's an extra $3,000.
0:59.7	And I kind of brushed it off thinking, oh, maybe she used that for, you know, my living expenses.
1:06.1	Well, I learned right before Christmas that she took out a second $20,000 loan.
1:14.1	And there's no way that my living expenses were $20,000 for that year
1:21.9	because the only thing she was paying was my rent for a very shabby place that was shared with 10 girls.
1:32.3	Okay.
1:32.7	How old is this?
1:33.8	How old are you?
1:35.6	Um, 23.
	...

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