 And the student fails to tell their new fiance or the student four years later doesn't get a job. 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 happened. We hear that all the time, don't we? Well, that or the student didn't pay. And then the parents like, well, I guess I have to pay it. And then they're frustrated. I mean, like, it's just it ends up being this like tangled mess relationally. But whose responsibility once it comes due? Whoever promised to pay it morally.