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My husband and I got married last year and we're currently on baby step number two.

I didn't think we had that much debt and so I was like, oh, we can get this paid off quick.

It's going to be great. Well, when my husband graduated high school, he had an agreement

with his mom that if he went to college, that she would pay for it, which is amazing. I thought

she must have, like, paid it out of pocket or got a personal loan, but it wasn't until about

three months ago when my husband checked his credit score to find his credit I dropped drastically.

And that's when I learned his college was paid through a federal student loan in his name.

And his mom had stopped making the payment.

When he asked her about it, she said that she forgot about them and she would start paying them again.

Well, since then, she's continued to forget.

And she told my husband that we need to call and ask for a lower payment plan so she can afford it.

I want to just take over the payments ourselves since it's his loan and pay the student loans off ourselves.

But my mother-in-law wants to pay for it, and she doesn't want us to pay them.

But she keeps, like, kind of forgetting and kind of ruining his credit score.

And we're hoping to build a house soon or buy a house, but we can't do that with his credit being where it is.

Although my credit is good, I still worry how it will affect, you know, us getting any sort of loan.

And I'm also worried that if, you know, we pay them and tell her she could pay us back,

I'm worried it'll become one of those like, oh, borrowing money from family type

situations and it'll put her strain on the relationship. Overall, it just feels like a very

yucky situation. So I was hoping to ask for some advice. Do you think in any way that your

mother-in-law is playing some passive-aggressive game here? Um, I don't want to say that, no.

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