This is the Ramsey Call of the Day, part of the Ramsey Network.

Let's go out to Kelly in I was going to say Louisville, but the Louisville people came after me.

That would have been a gym.

Yeah, so Kelly in Kentucky, what is up? Kelly, how are we doing?

Hi, so we've got some mother-in-law drama, and we were hoping to get some good advice on what we should do.

Bring it on. You got the man of the hour.

What's up? Okay. What have you done?

We have, so when my husband was in college, his mom took out parent plus loans, and just for simplicity's

sake, I'll make the numbers even and easy to follow.

She took about $25,000 in parent plus loans.

Come to find out, about $20,000 of that was refunded. So for example, if the student loan,

or I'm sorry, if the student account was like $1,500, she would take like a $5,000 loan and get a $3,500

refund. And that happened multiple times throughout his time in college and over the course of the four years

she had gotten about $20,000 in refunds so fast forward to now she wants us to pay back the

original amount owed which was 25 even though she was refunded over 20,000 And the refunds were never put back towards the student

loan. She just did whatever she did with them. What does she say about that? Does she admit to that?

So when we asked her at first, when my husband asked her at first about the refunds, she said,

well, I don't know what happened to that money. That was so long ago,

I don't remember. And then about maybe a week or two later, she went on the website where all

the payments like the NellNet website and said, well, if you want to know where that money went,

over the last seven years, I've paid, you know, X amount of dollars in interest. So that's where that money went.

But our argument, yeah, so our argument is because she has been making the loan payments

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