If this guy's mom signed as the responsible party for the student loans and he did not get them on his own, she IS responsible for the repayment....just like signing for your kid to buy a car. If she did not sign for him, then she doesn't have to pay. That is the question....and if she does not pay them and she did sign as a cosponsor, the FBI will take the money out of her check or IRS refunds. My daughter had a small loan that she lost in the mess and they sold it to someone else and never sent her any new information, so this year, the government took her tax refund and paid it off. The IRS will get their money.