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Of thousand in grants, got doesn't come with Student Loan to buy a first year college student, and had her Mom take out loans for the remainder of one semester's tuition.
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It might have been a few years or more since you signed the papers to one's existing mortgage. Given that some time has passed since then, you are undoubtedly from a different situation than you were then. Your credit score may have changed, work situation the different, and interest rates may be at different levels than had been at that time.
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No family that is making an attempt to help youngster succeed should be treated during you treated me or my acquaintances. It was wrong and shame on you for modeling that behavior for baby.