 The student fails to tell their new fiancé, and then you get married, and four years later, mom and dad go, you remember that time you said you were going to pay this loan? And they go, no, I didn't. Yeah, that's what happens. We hear that all the time, don't we? Well, that or the student didn't pay, and then the parent's like, well, I guess I have to pay it, and then they're frustrated. I mean, it ends up being this tangled mess relationally. But whose responsibility, once it comes due? Whoever promised to pay it morally.