I think i've come to a decision. I am going to borrow $3,000 for her. That is the limit that I can borrow and still be confident to pay it back with or without her help. I hope this is enough to satsify her lenders, but I must realize this is her problem. I can be supportive and help her, but It's not my responsibilty to pay for her debts. She agreed to borrow the money for school, not me. She is the one who must take the lead and repay what she has borrowed. If I took care of this, I am just enabling her irresponsibilty and it would be much more money than I have to pay. I have to do what is best for me. I wouldn't expect her to make sacrifices of herself that hurt her well being for my own. I think $3,000 is a generous amount. Expecially after being lied to about the status of this debt. A lie of omission is still a lie. I've tried very hard to be honest with her and it bothers me she keeps things from me. I feel better about this issue now.