Thanks for your reply folks. No the loan is not in the US and that complicates things for me because I or my wife cant efficiently follow up without help from her parents on the ground which is clearly not forthcoming. I think they have given up and know that I'll pay for it. There's only so much I can do. I am running out of options now. Anytime I try to bring this up to my wife she gets defensive. It hurts me because she doesnt see my point of view and instead prefers to feel sorry for her parents that they're struggling. She needs to clearly understand that this is HER money and by behaving in this manner she is making it difficult for herself and her child to live comfortably in the future. Of course, I will be impacted as well but I personally have no great desire left to do anything in life. I am quite content existing and getting by.