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Dear Abby: Mom is on the hook for estranged son’s college loan

A mother faces financial risk after cosigning her estranged adult son's student loans; legal advice suggests pursuing options to recover significant unpaid debt.

  • A debt collector recently contacted the mother who cosigned her son’s education loans 10 years ago, and shortly after confronting him he stopped talking to her, so they haven’t seen each other in two years.
  • A couple of years ago she discovered from someone else that the son never finished college, and she had previously paid off an earlier education loan after it went into default.
  • She tried to contact her son about the payments but to no avail, and because of repeated bailouts and unpaid loans, he now owes her a significant amount.
  • Mother is advised to contact an attorney, as doing so is not aggressive or punitive and may help her find a way out of this financial hole, risking her savings.
  • Reluctant to sue, the mother worries about losing the relationship and asked Dear Abby whether a less aggressive way exists for accountability; Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips.
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The Detroit NewsThe Detroit News
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Chicago Sun TimesChicago Sun Times
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Dear Abby: Mom is on the hook for estranged son's college loan

We haven't seen each other in two years.

·Detroit, United States
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New Hampshire Union Leader broke the news in New Hampshire, United States on Friday, March 6, 2026.
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