one...they wont ask the parents to sit in on anything...i know..i had one like that..i sat there and explained everything to him...and then they dont want to repay the debt..it scares them...it happened to my son..i said you have to sign...you either pay interest now as you go along..or pay interest when you start to repay loan..he freaked out...he wanted me to take out a parent loan..told him no.