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Discussing parent student loans with kids In more than one-third of U.S. families, parents decide how to pay for college, according to a July 2020 report from private lender Sallie Mae. Half of those parents don t inform the child of their decision. Joe Allen, 51, of Frederick, Maryland, did talk about college costs with his daughter, a freshman at the University of Dayton in Ohio. But he understands why some families avoid the topic. “As a parent, you want to protect your children,” Allen says. “You want to do what s best for them.” But what seems best for children may be bad for mom or dad – especially if it means taking out hefty parent student loans without discussing them. Here s how to avoid that misstep and others when borrowing parent loans.

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