When I was in college, I had a few semesters where it was hard to come up with money for tuition. So I took out a private student loan. My mom very generously offered to pay that loan for me so I could get on my feet after graduation. I was so extremely grateful!

Flash forward 5 years and me and my husband go to apply for a mortgage loan. We’re denied due to my “severe delinquency” and “high income to debt ratio”. This was a complete shock to me. As far as I knew I had one credit card (not maxed) and a car loan + my federal student loans. And I had never missed a payment. Usually paid in full or early. That seemed pretty normal for someone in their late 20’s.

Well I come to find out that my mom had been making late payments on the private student loan all these years AND she began using a credit card in my name I used to have i college. (She changed the email and log in info so I never got alerts, and the bills went to her house). She maxed that card out and made late payments too.

So now I have to blow through all my savings I was planning to use for maternity leave this summer, and we can’t get a house. We are completely backed up on payments for the first time ever. This is NOT how I planned on spending 2019. I was dreaming of being in a new house, with a new baby and debt free (with exception to a house).

And worse of all, this has ruined our relationship. I just cannot get over this. 😞 And I HATE that this is all over money. It makes me feel so spoiled. But I have always raved to everyone at how generous my mom was! I feel so hurt and betrayed over it all.