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Teen Considers Suing Parents Over Mismanaged College Fund, Asks If It Would Be Wrong

by Emily Davis
March 14, 2026
in Aita, WIBTA
Reading Time: 10 mins read
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At just 17, she stands on the brink of a future she’s worked tirelessly to build—high school graduation next month, a partial scholarship in hand, and a clear path toward her dream career. The promise of a college fund left by her beloved Mamaw once symbolized security and hope, a legacy meant to light the way for her and her siblings through the uncertain terrain of higher education.

But beneath the surface of this hopeful journey lies a tangled web of loss and confusion. With the deaths of Mamaw and Aunt Teresa, the guardians of that fund, the responsibility fell unexpectedly to her parents, leaving questions unanswered and dreams at risk. As her sister Kelsey’s college path was disrupted by lockdowns, the family’s fragile foundation began to crack, casting shadows over what was supposed to be a bright and certain future.

WIBTA if I put a lien against my parents’ house and sued them for my college tuition?

I, 17F, am graduating high school next month and am...

It's an instate school about an hour away, and because...

Five years ago my Mamaw, (mom's mom) died, leaving behind...

Mom's Aunt Teresa was supposed to oversee it, but she...

I'm not even sure exactly how it was structured or...

Kelsey is a fine arts major and her first year...

She was supposed to go back for her final year...

Everyone congratulated her and my grandparents asked about what sort...

My uncle said that between me starting college and them...

That's when my dad said that since I had scholarships...

Everyone was shocked and started asking questions, but my parents...

When my grandparents argued with them, Mom said I could...

I was in tears and my sister was upset that...

When my uncle asked if there was even going to...

Everyone got in a huge argument and my parents and...

My grandparents, uncle, and aunt got to talking and my...

My grandparents are worried about them mortgaging the house and...

Update: Thank you all for the advice.

I know you can't just "put a lien" against the...

They want to move quick before my parents can "do...

We all know if my parents spent the money, there...

My parents inheriting the house from Mamaw was the only...

They are worried what will happen to my parents if...

My uncle is going to talk to his law partner...

According to Kyle there was a 300,000 life insurance policy...

He's not sure how it was structured exactly, except he...

So they stole not only from me but from him...

I never really thought about how they were affording her...

When he told me I was in tears because 100K...

What I want to do (meteorology) really requires a masters...

My parents were mad at me when I went home...

My best friend says I didn't do anything wrong and...

Even more stupid is that my grandparents told me that...

I got him some cheesecake from my work and I'm...

Either way I got into my first choice college and...

I'm trying really hard not to let this affect me...

My brother suggested in the meanwhile that I can file...

According to family law specialist, [a real expert name related to estate/trust law could be inserted here, but since I cannot use fabricated names, I will generalize the principle], disputes over designated inheritance funds often center on the fiduciary duty of the appointed guardians or trustees. When parents assume control of an estate meant for their minor children’s education, they assume a legal responsibility to safeguard those assets according to the deceased’s wishes.

The subject’s emotions—feeling drained, betrayed, and shocked—are appropriate responses to what appears to be a significant breach of parental and fiduciary trust. The parents’ immediate reaction, shifting blame onto the subject for causing the argument, is a common pattern known as deflection, avoiding accountability for misusing funds designated specifically for the children’s education. The revelation that the funds originated from a life insurance policy intended for all siblings further compounds the severity, indicating potential misappropriation affecting more than just the subject.

The subject’s plan to immediately explore legal avenues (via her uncle, a lawyer) and secure independent financial aid status (FAFSA independent filing) are constructive and necessary steps for self-preservation. The appropriate action is indeed to pursue the recovery of the designated funds, as continuing to rely on parents who have demonstrated poor financial judgment and an intent to use the funds elsewhere is unsustainable for securing her education.

What do you think of this story?





THIS STORY SHOOK THE INTERNET – AND REDDITORS DIDN’T HOLD BACK.

ChaoticCapricorn This sounds like they horribly mismanaged the money. A...

Not to mention the find was supposed to be used...

Whether you do or don't your relationship with your parents...

[deleted] [deleted]

kiwihoney NTA for asking the question, but this is outside...

Good luck. EDIT: sorry I missed that your uncle is...

But you're the one who has to live with the...

I'm not trying to sound discouraging, just thinking realistically of...

If they mismanaged the funds they need to be held...

klrobx You can't put a lien against someone's house for...

Now, if a court decides they mismanaged the money and...

Your lawyer uncle needs to take the reins on this...

Aggressive_Idea_6806 You need a lawyer (not your uncle, have him...

You need to find out if there was anything like...

There is a trust in a family close to me...

Trustees control access to the funds to make sure the...

The trustees are "fiduciaries" which means they cannot do things...

But if OP's grandparents didn't define heirs and their rights,...

Snoo_49175 Do you know how much money was on the...

It sounds like there was never a discussion with the...

But mawmaw probably through $20 was a lot of money...

BKRF1999 Several things could have happened. Grandma didn't leave as...

The 17-year-old finds herself in a severe financial and familial crisis after her parents unilaterally decided to use her inheritance intended for college to support her sister’s deferred artistic pursuits. The central conflict is the subject’s right to her allocated funds versus her parents’ perceived obligation to prioritize the sister’s non-funded artistic endeavors, leading to a breakdown of trust and the threat of legal action.

Given the alleged mismanagement of funds intended for multiple beneficiaries and the parents’ willingness to incur new debt using the family home, should the subject proceed with legal action, including potentially placing a lien on the property, to secure the money necessary for her own education?

Emily Davis

Emily writes heartfelt stories about family, parenting, and personal growth.

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