Jenni's mom is nice but dumb. Why take the loan out in her name. My wifes parents took a student loan for her, had her sign it. They said if you graduate we will pay it off. She did and they did. But if Jenni is doing so well then why not pay off the 18k herself. The payment on 18k cant be much.
BTW- I have student loans for law school and they suck. But I write that check every month.