If your private student loans are in default, you're not out of options. Go to yrefi.com

slash Ramsey. My parents, adult siblings, and I are all on a family phone plan but live in

different households. Everyone agreed to pay their portion to the sibling who has designated

the account owner. A few years ago, I started paying the monthly bill to prevent recurring

overdue bills and plan cancellations. Since then, that sibling hasn't paid their portion,

and when another sibling found out, they stopped repaying their portion, too. I can and have

been paying for both siblings. What the heck? The remaining siblings and parents pay regularly,

and everyone's aware of the situation to the point of joking about it at family reunions. I want to maintain good relationships by prioritizing family

over finances, but is there a gentle way to convey that they're taking advantage of me? Or should I

use Dave's principle of gifting and not loaning money to family in this situation? Oh boy. Nicholas,

you've become a doormat. Yeah, we don't gift when we're resentful and we think it's going to put a band-aid on it. This is not the spirit of giving. I don't understand why you haven't just shut down the account and go, right, everyone, every man for himself. We're all grown grown adults let's get our own phone plans they're

not where i went why are we as adults on the same cell phone plan this is crazy my parents adult

like this is just a toxic codependency and they're taking of course they're taking advantage of it

they realize they can get a free phone plan out of the deal and still be friends with you. Hey, I tell you what really

rub me the wrong way is that everybody jokes about it. They're all laughing at him. Exactly.

They're not, they're not laughing with you. They're laughing at you. I think so. Yeah, I would

I'd put a draw a line here and go, hey guys, I'm going to get my own phone. My phone plan, I'm out. You guys can figure it out if you want to stay on this, but I am out of the situation. Just jump on to Boost Mobile. It's like 20 bucks a month. It's not that expensive to have your own phone plan. There's really no benefit here for everyone being on the same plan in different households. It's messy.

Yeah. Just the reading of the question showed you how complex this thing is. It shouldn't be complex. There shouldn't be a little here to get your phone plan paid. I'm an adult. I have my own cell phone plan. My siblings, they're adults. They have their own cell phone plan. What are we even talking about here? Makes my head hurt. Why Refi refinances defaulted private student loans for struggling borrowers. Learn more at Y-R-E-F-Y dot com slash Ramsey.