I Refuse to Repay My Dad for My College Tuition—Now I Know Why He Really Needs It

Family & kids
02/22/2026
I Refuse to Repay My Dad for My College Tuition—Now I Know Why He Really Needs It

When parents pay for college, most kids assume it’s a gift, not a loan. But one person’s father is now asking for that money back and the reason why is tearing their entire family apart. Now everyone’s fighting over a decade-old decision, and the real story behind that tuition payment is way messier than anyone thought.

Here’s the full story:

Dear Bright Side,

My dad paid my college tuition ($120K) 10 years ago. Now he's broke and wants repayment. I refused: "Parents don't charge interest on their kids!" He went quiet.

A week later, my sister called, crying, and I panicked when she told me something I never knew. Dad had taken out a second mortgage on their house to pay for my college. He'd told Mom it was for home renovations.

Mom just found out the truth, they're $120K in debt because of my education, and she never knew. She's furious at both of us.

I don't blame your Mom for being furious at both you and your dad. She's mad at your dad for not consulting her first before giving all that money to an ungrateful brat. You were an adult when you used that money for college, you need to be an adult and start paying it back.

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Dad had lied to his own wife to pay for my school, thinking I’d pay him back quietly and Mom would never find out. Now their marriage is falling apart, they’re facing foreclosure, and Mom is blaming me for accepting money she never agreed to give.

Dad said, “I did this for you, and you won’t even help me fix it?” But he destroyed his marriage and finances with a lie. Am I responsible for his secret debt that I never asked him to take on?

— Harry

WHY DO YOU ALL FEEL THE NEED TO PUT THE WORD "AMERICANS" IN YOUR COMMENTS? THIS ISN'T ABOUT AN EXPECTATION OF THE SON. IT IS ABOUT A PARENT MAKING A CHOICE, AND NOT REVEALING HOW HE CHOSE TO ACHIEVE IT. THEN HE LIED AND EXPECTED HIS SON TO "REPAY" MONEY HE WAS NEVER TOLD WAS A "LOAN".

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No, you did not ask them to do it. He chose to. Live your life.

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I think you should help it's the right thing to do. However I do think that you should have been told the exception before you went to school.

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Sure IF he can help, I think that he SHOULD. He SHOULD NOT however, be held up by his father, who LIED TO EVERYONE INVOLVED.

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You should try to help out if you can. It's not your responsibility but he did it to help you so if you can help him you should, even if it's only a bag of grocery shopping every week. Get them the necessities like bread, milk, butter, biscuits, tea, coffee, a cake for a treat and anything else that you think they would like. A couple of ready meals would be good too! Spend what you can afford. You could always write a card saying "Thank you for my education. Sorry I didn't realise what you were doing for me. I may not have accepted if l had realised. Please accept a few bits to eat = a goodie bag! Sent with love and thanks." And hand it over. Each time you are able do the same thing.
Cheers Caroline Fields.

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3 weeks ago
This comment is beautiful but so out of place.

She didn't notice that there were NO HOME RENOVATIONS? HE didn't tell you that you were expected to PAY IT BACK? IF you knew, you might have made a different choice about WHERE YOU WENT TO COLLEGE. If at all. You might have been able to MAKE A REPAYMENT PLAN, IF you had AGREED TO IT, AT ALL. YOUR FATHER is a LIAR. Your mother seems to have paid NO ATTENTION, to the financial responsibilities, in HER OWN MARRIAGE. SHE is BLAMING THE WRONG PERSON. If you are able AND you feel so inclined, you COULD offer some help, but ONLY IF you can. By NOT giving you the opportunity to CHOOSE FOR YOURSELF, it takes you OUT OF THE LOOP. THIS IS ALL ON HIM. Don't let them GUILT you. You had NO WAY OF KNOWING, ANYTHING ABOUT THEIR FINANCES. PLEASE don't let HIS financial problems and poor planning, become an ANCHOR around your neck ⚓.

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Why can't Americans just go to free programs for the poor if your dad couldn't afford it without bankcrupting himself he shouldn't have done it and why didn't your mum notice anything

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WHY CAN'T YOU STOP BEING A BIGOT? BEING AN AMERICAN, HAS NOTHING TO DO THIS FATHER LYING TO HIS FAMILY. WHAT "FREE" PROGRAMS ARE YOU TALKING ABOUT? THE MOTHER NOT KNOWING, OR NOTICING, IS THE ONLY SENSIBLE THING IN YOUR COMMENT.

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Look, this is a brutal situation to be stuck in, especially when it involves both family and money. We’re not going to sugarcoat it: there’s no easy fix here. But you can tackle the parts that are actually fixable. That’s why we’ve put together 4 suggestions that might help you navigate this mess.

Separate the financial issue from the family drama.

  • The mortgage debt is real, but so is the broken trust between your parents. You can’t fix their marriage, but you can have an honest conversation with your dad about what repayment (if any) actually looks like. Ask for documentation: how much is owed, what the monthly payments are, and what realistic help would prevent foreclosure. Don’t commit to anything until you see the numbers in black and white.

Have a direct conversation with your mom (without your dad).

  • She’s furious because she was lied to and blindsided. Acknowledge that. Tell her you had no idea he took out a second mortgage, that you thought this was money they both agreed to give, and that you never would have accepted it if you’d known the truth. You’re not responsible for his deception, but showing her you understand why she’s hurt might ease some of the blame she’s putting on you.

Offer what you can reasonably afford.

  • If you want to help financially, figure out what won’t wreck your own stability. It could be $500/month, a one-time $10K payment, or nothing. But make it clear: this isn’t repayment of a loan you agreed to. It helps you choose what to offer because they’re struggling. This distinction matters because it sets a boundary against the future.

Suggest they seek financial counseling or mediation (and stay out of their marriage).

  • Your parents need professional help, both financially (to explore refinancing, loan forgiveness, and bankruptcy options) and emotionally (because their marriage is crumbling under lies and resentment). You can point them toward resources, but you can’t be the referee or the fixer. Their relationship issues existed before this blew up, and they’ll need to rebuild trust on their own terms.

If you thought this story was messy, wait until you read about the mom who refused to let her daughter attend her dad’s wedding. The reason why? Let’s just say it involves loyalty, betrayal, and a decision that divided everyone who heard it. Read the full story here.

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You are not responsible for the mess your dad made. I'm going to take a guess in saying that you never asked for your dad to pay your college tuition. Your dad chose to lie to everyone. You had no idea where the money came from or that your dad was lying about it. That is not on you that is on him. Your mom is way out of order for even blaming you for what your dad chose to do without your knowledge. Parents don't pay for their children to go to college then demand for it to be repaid.
I think you need to tell everyone to back off your dad's lies has absolutely nothing to do with you so they have no right to blame you or demand money

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