Accountant advises his parents to exclude his financially incompetent sibling from their will after sibling leaves them stuck with a $100k student loan: ‘My dad started getting harassed by the loan servicer’

Author image for Lana DeGaetano
Lana DeGaetano • "Show me to me please."
Jul 27, 2025 5:00 PM EDT

Student loans: Most of us have them, and a lot of them, too. They dictate the financial decisions we make in our daily lives, and continue to do so until we pay them off. The student loaning system sets up many people to fail, especially in a job market that chews you up and spits you out regardless of your education and experience. With that being said, however, our student loans are still our responsibility. We don't want to throw a wrench in our parents' lives all because we couldn't make it in the real world. Don't our parents deserve to settle down, stress-free, and enjoy the rest of their lives peacefully?

Yes, they do deserve this. Not everyone seems to think that, though, and others plainly refuse to see how they are financially impacting their parents (and don't care enough to understand how).

The sibling in this next story got their parent to cosign on a large loan for medical school. Things happen, and that plan didn't work out, but now, their parents are stuck with footing the bill since they cosigned the loan in the first place. This sibling is infamous for their poor financial planning, as confirmed by their accountant sibling, who tells the story. Scroll below to read about what this CPA narrator has to say to their parents about their siblings' sneaky, careless behavior.

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  • Should student loans be eradicated? That's a debate for a different day.

    However, I remain firm in my claim that parents should not have to take the fall for their children's inability to figure out their finances, especially those who go about life carelessly. I have no ill-will toward the free-—unless they are taking advantage of other people.

  • Cheezburger Image 10533840640
    via Getty Images For Unsplash+

    The image does not depict the actual subjects of the story. Subjects are models.

  • "AITAH - I advised my parents to exclude my sibling from any inheritance for sticking a $100k loan on them."

    I come from a family that experienced financial hardship and struggles most of life. I have a few siblings, and my parents were unable to pay for college for any of us.
    via Grouchy-Shoulder3384
  • My oldest sibling racked up $250k+ in student loan debt. My parents (somehow) were able to co-sign a student loan with the
    via Grouchy-Shoulder3384
  • clear expectation my sibling would pay it back. My parents trusted my sibling would pay it back - we all thought the sibling
    via Grouchy-Shoulder3384
  • was going to be a doctor. My sibling used to be a high achiever in high school and college so it was very believable.
    via Grouchy-Shoulder3384
  • Fast forward 10ish years post- loan, it hasn't been paid off and has grown to about $100k. My sibling didn't become a doctor
    via Grouchy-Shoulder3384
  • and had an okay paying job. Got knocked up, married a loser, quit working for several years and wasn't paying any loans. My
    via Grouchy-Shoulder3384
  • sibling and spouse have made poor decisions - continued having children (4), spouse works at a family-run franchise + could make more money working
    via Grouchy-Shoulder3384
  • elsewhere, spouse s es a lot of p t ($500+ spent per month), bought a Denali with 100k miles on it for $35k, sibling can't hold a job and I could go on and on.
    via Grouchy-Shoulder3384
  • My dad started getting harassed by the loan servicer so he found a cheap lawyer who somehow discharged my sibling and put it
    via Grouchy-Shoulder3384
  • solely in my dad's name. If my dad passes away before that happens, the remaining loan would be discharge and
    via Grouchy-Shoulder3384
  • considered taxable income leaving my mom with an estimated $20k tax bill - she doesn't have $20k.
    via Grouchy-Shoulder3384
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    via Ahmet Kurt For Unsplash+

    The image does not depict the actual subjects of the story. Subjects are models.

  • I work in finance (CPA), and they ask for advice on a variety of topics. I advised my parents to exclude my sibling from any inheritance (life insurance) and
    via Grouchy-Shoulder3384
  • remove the sibling from a trust on a small family farm we'd all inherit until the loan is paid off or taken out of my dad's name. The value of it all divided by number of siblings is most likely less than the loan balance. AITAH?
    via Grouchy-Shoulder3384
  • Additional context - all my siblings and I had to take out student loans. All of us besides the one are financially responsible and have taken care of paying off our loans ourselves without any problems.
    via Grouchy-Shoulder3384
  • Dips tistan NTA. Sib isn't being disinherited; their inheritance is being used to pay off (at least part of) their debt.
    via Dips**tistan
  • MintInTheRain Wow, your sibling really took the phrase go big or go home to heart except they forgot the go home part and just kept piling on the debt.
    via MintInTheRain
  • jmusig NTA. The loan will need to paid off one way or the other. Seems fair to me that the inheritance be used to pay off the loan.
    via jmusig
  • SugarBi h NTA. Your sibling made reckless choices and stuck your parents with a $100k burden. Protecting your parents' financial security isn't cruel, it's necessary.
    via SugarBi*h
  • Fancy-Requirement536 NTA. To do anything else would be foolish. Make sure your parents' will specifically mentions this sibling is not being forgotten, but specifically being left nothing because of the crushing debt left on your parents.
    via Fancy-Requirement536
  • Cocoa AlmondsRock NTA. You're a CPA, and you made the recommendation based not on greed and what was best for you but based logically on what was best for your MOM and the family as a whole.
    via CocoaAlmondsRock
  • Your sister, frankly, doesn't even need to know about the change unless your parents somehow think it would motivate her. Which it likely won't.
    via CocoaAlmondsRock

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