Where did the time go? My son graduated high school and is starting college at MSU this fall. We have a good chunk of money set aside for this, but not enough for the full 4 years. My boy's mother is determined that we will co-sign student loans to cover the balance. I'm not convinced. My son is very bright academically. I'm very concerned about his work ethic, he doesn't really have one. My thought is to let him borrow the balance through subsidized loans and let him pay it off when he graduates. I will be retiring (hopefully) in about 6-7 years and won't be able to repay these loans should he default. This is getting to be a MAJOR issue between his mother and myself. Not interested in her having an emotional melt down, but what in the world can I say to convince her the logic in my point of view?