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Ask Brianna: Help Your Parents Based on Need, Not Your Guilt

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“Ask Brianna” is a column for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com.

My parents and I are both still repaying student loans that covered my college education.

After graduating, I walked around wearing an invisible overcoat of guilt, worried that their debt on my behalf might affect how soon they’d retire or pay off their mortgage. I failed to recognize that, justifiably or not, they helped me pay for college because they felt it was their job. A lot of parents do.

Parents covered a third of their kids’ college costs through...

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