My question involves collection proceedings in the State of: Pennsylvania (student loans taken out for school in NY)
While my parents were separated, my Mom co-signed some student loans for me. My parents recently got back together...what can I say...my Mom is a masochist.
He's abusive, emotionally and physically. He's a loose cannon, he's arrogant and hateful and thinks he's above the law. He's also manipulative. He wants me to think I'm trapped...
I know I should file a report but I don't want to go there. It'd just escalate things. What I'm concerned with is my student loans. He wants me to believe that I'm the only one who stands to lose anything if I can't pay them off...he wants me to feel afraid and trapped. So I'm trying to figure out who stands to lose what here...
If he refuses to help me return to school - which, btw, is something he did/does solely to keep strings attached to me, he's said as much himself - I'd have to start making payments on my loans. I can't afford to pay them as well as pay rent, buy food, pay for gas, etc.. Wouldn't it then fall to my Mom to pay? She can't afford it either. What then? Could they do anything with her property? Both of their names are on the house, does that keep it safe?
I know my credit would be wrecked...so would my Mom's... The idea here is to figure out if he's safe. He wouldn't want to lose any money and he wouldn't want to ruin his reputation if any of this got out. So if he stands to lose more than he'd like to admit to me, then it's okay for me to go ahead with my plans to move in with a friend. He wouldn't hurt himself to spite me. I'm not trying to get back at either of my parents, it's just kind of like a mean game of chess...he wants me to think I'm stuck and I want to know if that's actually the case before I go ahead and leave...which would be, in essence, standing up for myself and he doesn't like when people do that...

