And to drive this point home, even if you could get the money, it does take decades to pay off student loans. I know at least two people who were paying off stduent loans and didn’t finish until their children were 10 or so. They were in their 40’s by the time it was all paid off. They struggled for decades. And even if your parents will take the loan out on your behalf, is it fair to burden them with that kind of debt as they head towards retirement?