I don't know the difference. Only that my parents have loans from my undergrad, and I can choose to just not pay them, but I'm not a piece of shit (aka, my youn

I don't know the difference. Only that my parents have loans from my undergrad, and I can choose to just not pay them, but I'm not a piece of shit (aka, my younger two siblings). But those loans can not get adjusted payments based on my income.