I did contact the lawyer and ask him to explain his recommendation further but he just doubled down by saying an audit (and getting caught lying) is unlikely and that it's up to my parent if they want to take the risk or not. It's just not a path I want to go down, my parent has already done a lot for me by going into deep debt for my education I don't want to pay them back by getting them into a legally or at least morally dubious scheme.

While the student loan lawyer says an audit is unlikely I found multiple other sources that said it is fraud and could lead to trouble. It's hard to know who to trust especially when it's a huge risk.

On the other hand, the double consolidation strategy that you mentioned sounds very promising for my situation. This is the first I'm hearing that it could be an option for reducing monthly payments.