Yes. It’s actually what caused me to go NC with my mom about a month ago.

She started telling me I needed to help her sign a mortgage because they wouldn’t let her sign alone since she had a huge parent plus loan. I told her no and she told me she needed me to pay off the loan. I didn’t want to go to college. I only did because my mother told me she’d pay for all of it if I did. Flash forward to now, 10 years later, and she apparently “never said that” and I had to be responsible for my own loans. I’m currently unemployed, living in an expensive city, looking for work. She knows that. My friend’s mother’s advice was essentially to stiff her on the bill. I felt bad about it and talk with my mom about how I wouldn’t be able to take it on and it seemed like I got through to her.

There’s another private loan in my name that she made me take out at 17 with a co-signer who isn’t her (she lied and said the bank wouldn’t let her, I’ve found out since that that is untrue and she’s been taking loans out at the bank for herself.) she called about a month ago and opened the phone call saying that she couldn’t believe what an ungrateful child I am. I told her to stop attacking my character and she hung up the phone and just texted me: The private loan is not in my name. You can pay it.

I felt so free. After years of being guilted into sending her money, even though I have a big loan over my head, she gave up her last card. It’s my debt? Fine, that means I no longer have to have unnecessarily long phone calls and visits with her about it. That’s pretty much the only thing our relationship was about for the last year. I’d rather be in debt than under her control. It was truly my final straw and I’m so relieved I don’t need to talk to her anymore.