To be fair I have an understandable excuse. I graduated in December, landed a job, and moved. I knew my loan repayments would start in July, six months after graduation, so I tracked my loan amounts and budgeted for how much the payments would be. I got all my ducks in a row...or so I thought.

A few days ago my stepdad told me they got an email from the loan provider saying I didn't make a payment. "It is a mistake. They show a payment posted nearly 10 days before the due date.", I reply. Then yesterday I get the same message from my mom and stepdad. So I call up the loan provider to ask why they are harassing my parents even though I made payments.

Turns out that the $19,000 in loans that my mom signed for don't get tacked on to my debt, but her's. Even though I am not going to have my mom pay for the debt, the loan provider doesn't list that under my name. So while I was paying my loans, no payments were being posted to "her" loans which aren't really hers. She just signed for them. And because they don't have my name on them, when I log in they don't show up. My mom needs to create an account and log in to make payments or see the debt. Cautionary tale to anyone else that had parents sign for loans... Luckily we caught it after the first month.

I also FU by not reading the sub rules, missing rule 11, which is not included in the sticky. (Can a mod please add rule 11 to the sticky? Otherwise posting from the app doesn't show the sidebar.)

TL;DR I didn't understand how Parent Plus loans worked, resulting in these loans being forgotten about or not seen and I missed the first payment. Luckily the consequences are limited to me just being behind a month which won't affect my mom's credit. But now my loan payments to this company are double what I thought they were initially.