<p>当他们的父亲在 2023 年底去世时，他们以为自己只是处理最后的文件和哀悼。然后他们的母亲递给他们一封关于他们从未听说过的学生贷款的最终通知。</p>
<h2>他借了他们从未知道的贷款</h2>
<p>这位于 2018 年大学毕业的儿子，一直在以自己的名义偿还 3 万美元的联邦学生贷款。但事实证明，他们的父亲秘密借了额外的 6.5 万美元——现在因利息膨胀到超过 9 万美元。问题是，他们的名字并没有出现在任何贷款上。</p>
<p><strong>不要错过：</strong></p>
<ul>
<li><strong>有财务计划的美国人可以将财富增加 4 倍——** 从 CFP 专业人士那里获取个性化计划 **</strong></li>
<li><strong>有超过 10 万美元可以投资？查理·芒格说这是最艰难的里程碑——现在不要停滞不前。** 与受托顾问匹配并继续投资 **</strong></li>
</ul>
<p>“我以为我父亲已经全额支付了，” 他们最近在 Reddit 的 r/personalfinance 上写道。“如果我早知道这些，我在过去 7 年里就会偿还这些贷款，并做出很多不同的决定。”</p>
<p>这些贷款很可能是联邦的父母 PLUS 贷款，这是一种父母可以代表子女申请的学生援助。父亲承担了全部的财务责任并对此保持沉默。</p>
<h2>他是给他们留下了礼物还是负担？</h2>
<p>虽然这一发现让他们感到不知所措和困惑，但 Reddit 社区迅速发表了看法，绝大多数人认为父亲的举动是一种爱的表现。</p>
<p>“这真是父亲送给他的一个美好告别礼物——显然父亲负担不起，但也不想让他背负这个负担，” 一位网友写道。另一位说：“你父亲没有告诉你，因为他想保护你不必处理这些。这是个好父亲。”</p>
<p><strong>热门：巴菲特的财富秘诀？私人房地产——** 自己获取机构访问权限 **</strong></p>
<p>其他人分享了类似的经历。“当我父亲去世时，他正在偿还我上大学时的一些贷款。当我母亲打电话询问时，被告知这些贷款已经被免除。她只需发送一份死亡证明即可，” 一位评论者说。</p>
<h2>贷款现在会怎样？</h2>
<p>根据联邦法律，父母 PLUS 贷款 在借款人去世时会被解除。这意味着在这种情况下，儿子不需要偿还贷款，在大多数情况下，幸存的配偶也不需要，除非适用特定州法律。</p>
<p>不过，许多人仍然建议谨慎。如果贷款不是联邦贷款，或者父亲有任何私人贷款，催收者可能会试图追讨他的遗产，甚至联系幸存的家属。</p>
<p><strong><em>另见：贝索斯最喜欢的房地产平台推出了一种方式来乘坐持续的私人信贷热潮</em></strong></p>
<p>“在任何情况下都不要告诉贷款公司这是为了你的大学，” 一位网友警告道。“把死亡证明寄给他们，不要偿还。”</p>
<p>另一位补充道：“他们会试图说服你这是你的责任。”</p>
<h2>最后的牺牲行为</h2>
<p>在对该主题的更新中，原发帖者开始以不同的方式看待事情。“我父亲总是尽力帮助和保护我们，这些评论让我觉得他可能很聪明，真的知道自己在做什么，” 他们说。</p>
<p><strong>接下来阅读：一位 EA 联合创始人塑造了这个风险投资支持的市场——** 现在你可以投资游戏的下一个大平台 **</strong></p>
<p><strong><em>图片来源：Shutterstock</em></strong></p>

RDDT

<p>在父亲去世后，一个家庭发现他秘密为他们申请了 90,000 美元的学生贷款。起初感到背叛，他们了解到这些贷款很可能是联邦父母 PLUS 贷款，这类贷款在借款人去世后会被免除。Reddit 社区认为父亲的行为是出于保护，而这个家庭开始将其视为爱的最后表现。他们被建议谨慎处理此事，确保贷款为联邦贷款，以避免还款义务</p>

<p>When their father died in late 2023, they thought they were just wrapping up final paperwork and grieving. Then their mom handed them a final notice in the mail about a student loan they’d never even heard of.</p>
<div class="lb-trans"><p>当他们的父亲在 2023 年底去世时，他们以为自己只是处理最后的文件和哀悼。然后他们的母亲递给他们一封关于他们从未听说过的学生贷款的最终通知。</p>
</div><h2>He Took Out Loans They Never Knew About</h2>
<div class="lb-trans"><h2>他借了他们从未知道的贷款</h2>
</div><p>The son, who graduated from college in 2018, had been paying off $30,000 in federal student loans under their own name. But it turns out their dad had secretly taken out an additional $65,000 – now ballooned to over $90,000 with interest. The issue is, their name wasn't on any of it.</p>
<div class="lb-trans"><p>这位于 2018 年大学毕业的儿子，一直在以自己的名义偿还 3 万美元的联邦学生贷款。但事实证明，他们的父亲秘密借了额外的 6.5 万美元——现在因利息膨胀到超过 9 万美元。问题是，他们的名字并没有出现在任何贷款上。</p>
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<div class="lb-trans"><p><strong>不要错过：</strong></p>
</div><ul>
<li><strong>Americans With a Financial Plan Can 4X Their Wealth — Get Your Personalized Plan from a CFP Pro</strong></li>
<li><strong>Have $100k+ to invest? Charlie Munger says that's the toughest milestone — don't stall now. Get matched with a fiduciary advisor and keep building</strong></li>
</ul>
<div class="lb-trans"><ul>
<li><strong>有财务计划的美国人可以将财富增加 4 倍——** 从 CFP 专业人士那里获取个性化计划 **</strong></li>
<li><strong>有超过 10 万美元可以投资？查理·芒格说这是最艰难的里程碑——现在不要停滞不前。** 与受托顾问匹配并继续投资 **</strong></li>
</ul>
</div><p>“I thought my dad had paid for it outright,” they wrote on Reddit’s r/personalfinance recently. “If I had known about them, I would've been paying them off over the last 7 years and made a lot of different decisions.”</p>
<div class="lb-trans"><p>“我以为我父亲已经全额支付了，” 他们最近在 Reddit 的 r/personalfinance 上写道。“如果我早知道这些，我在过去 7 年里就会偿还这些贷款，并做出很多不同的决定。”</p>
</div><p>The loans were likely federal Parent PLUS loans, a type of student aid that parents can take out on behalf of their children. The father had taken full financial responsibility and kept it quiet.</p>
<div class="lb-trans"><p>这些贷款很可能是联邦的父母 PLUS 贷款，这是一种父母可以代表子女申请的学生援助。父亲承担了全部的财务责任并对此保持沉默。</p>
</div><h2>Did He Leave Them a Gift Or A Burden?</h2>
<div class="lb-trans"><h2>他是给他们留下了礼物还是负担？</h2>
</div><p>While the discovery left them feeling overwhelmed and confused, the Reddit community quickly weighed in and overwhelmingly saw the dad's move as an act of love.</p>
<div class="lb-trans"><p>虽然这一发现让他们感到不知所措和困惑，但 Reddit 社区迅速发表了看法，绝大多数人认为父亲的举动是一种爱的表现。</p>
</div><p>“What a nice parting gift from his dad–clearly dad couldn't afford it but didn't want to saddle him with it either,” one person wrote. Another said, “Your dad didn't tell you because he wanted to protect you from having to deal with it. That's a good dad.”</p>
<div class="lb-trans"><p>“这真是父亲送给他的一个美好告别礼物——显然父亲负担不起，但也不想让他背负这个负担，” 一位网友写道。另一位说：“你父亲没有告诉你，因为他想保护你不必处理这些。这是个好父亲。”</p>
</div><p><strong>Trending: Buffett's Secret to Wealth? Private Real Estate— Get Institutional Access Yourself</strong></p>
<div class="lb-trans"><p><strong>热门：巴菲特的财富秘诀？私人房地产——** 自己获取机构访问权限 **</strong></p>
</div><p>Others shared similar experiences. “When my father died he was paying some college loans from my time in college. When my mom called about them, she was told they were forgiven. All she had to do was send them a death certificate,” one commenter said.</p>
<div class="lb-trans"><p>其他人分享了类似的经历。“当我父亲去世时，他正在偿还我上大学时的一些贷款。当我母亲打电话询问时，被告知这些贷款已经被免除。她只需发送一份死亡证明即可，” 一位评论者说。</p>
</div><h2>What Happens To The Loan Now?</h2>
<div class="lb-trans"><h2>贷款现在会怎样？</h2>
</div><p>Under federal law, Parent PLUS loans are discharged when the borrower dies. That means the son isn't responsible for repayment in this particular case, and in most cases, neither is the surviving spouse, unless specific state laws apply.</p>
<div class="lb-trans"><p>根据联邦法律，父母 PLUS 贷款 在借款人去世时会被解除。这意味着在这种情况下，儿子不需要偿还贷款，在大多数情况下，幸存的配偶也不需要，除非适用特定州法律。</p>
</div><p>Still, many urged caution. If the loan wasn't a federal loan, or if the father had any private loans instead, collectors could try to go after his estate or even call the surviving family.</p>
<div class="lb-trans"><p>不过，许多人仍然建议谨慎。如果贷款不是联邦贷款，或者父亲有任何私人贷款，催收者可能会试图追讨他的遗产，甚至联系幸存的家属。</p>
</div><p><strong><em>See Also: Bezos' Favorite Real Estate Platform Launches A Way To Ride The Ongoing Private Credit Boom</em></strong></p>
<div class="lb-trans"><p><strong><em>另见：贝索斯最喜欢的房地产平台推出了一种方式来乘坐持续的私人信贷热潮</em></strong></p>
</div><p>“Do not under any circumstances tell the loan company it was for your college,” one person warned. “Send them the death certificate and don't pay it.”</p>
<div class="lb-trans"><p>“在任何情况下都不要告诉贷款公司这是为了你的大学，” 一位网友警告道。“把死亡证明寄给他们，不要偿还。”</p>
</div><p>Another chimed in: “They will try to convince you it is your responsibility.”</p>
<div class="lb-trans"><p>另一位补充道：“他们会试图说服你这是你的责任。”</p>
</div><h2>A Final Act Of Sacrifice</h2>
<div class="lb-trans"><h2>最后的牺牲行为</h2>
</div><p>In an update to the thread, the original poster started to see things differently. “My dad always did everything he could to help and protect us and some of these comments have made me think that he may have been smart and really known what he was doing here,” they said.</p>
<div class="lb-trans"><p>在对该主题的更新中，原发帖者开始以不同的方式看待事情。“我父亲总是尽力帮助和保护我们，这些评论让我觉得他可能很聪明，真的知道自己在做什么，” 他们说。</p>
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<div class="lb-trans"><p><strong>接下来阅读：一位 EA 联合创始人塑造了这个风险投资支持的市场——** 现在你可以投资游戏的下一个大平台 **</strong></p>
</div><p><strong><em>Image: Shutterstock</em></strong></p>
<div class="lb-trans"><p><strong><em>图片来源：Shutterstock</em></strong></p>
</div>

他们的父亲秘密为他们借了 9 万美元的学生贷款。在他去世后，他们在思考自己是该感激还是感到被背叛。原因如下