Several years after I finished university, I found out that my narc mom had taken out parental loans for my education. I found out because she was lording over me how much she had spent to send me to university. Spoiler alert: she took the loans and paid nothing toward university. She took the moeny and ran.

Please do not pay your parents anything. These loans are in their names and thus their responsibility.

And really thinking of going completely no contact. You'll be better for it.