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AITA for refusing to give my dad money after finding out he spent my college fund?

by Alex Johnson
January 20, 2026
in Aita
Reading Time: 5 mins read
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At just 23, she faced a brutal betrayal from the one person she trusted most—her own father. The college fund he promised to safeguard, the lifeline for her dreams and future, was gone, spent without her knowledge or consent. The foundation of her hopes crumbled in an instant, replaced by a painful reality of broken promises and financial hardship.

Her father, once a symbol of security, revealed a selfishness that cut deeper than any financial loss. While she scrambled to make ends meet, working extra shifts and taking on loans, he indulged in luxuries, prioritizing his new family’s failed ventures over her education. The emotional weight of abandonment and deceit now fuels her fight to reclaim not just her future, but her dignity.

AITA for refusing to give my dad money after finding out he spent my college fund?

I (23F) recently found out that my dad (46M) spent...

My parents divorced when I was 10, and my mom...

He made it clear growing up that the money was...

When I called him asking what happened, he admitted he...

At first, he said it was to help with bills,...

He promised he'd pay me back, but he doesn't have...

Meanwhile, he still goes on trips, eats out multiple times...

Last week, he called asking if I could help him...

I told him no, and when he pushed, I reminded...

He got really defensive and said he's my father, and...

My grandparents are on my side and think what he...

Am I the a*shole for refusing to help him financially?

According to Dr. Harriet Lerner, a clinical psychologist specializing in family dynamics, healthy boundaries are essential for functional relationships. She notes that when one party consistently violates trust for personal gain, the betrayed party has the right and often the necessity to enforce strict limits to protect themselves. The father’s actions—misappropriating a designated fund for personal/spousal business expenses and then leveraging his paternal role to demand repayment—demonstrate a significant lack of respect for his daughter’s autonomy and future.

The daughter’s motivation is rooted in self-preservation and accountability. She is dealing with the direct consequences (student loans) of his unilateral decision. The father’s defense, framing the issue as a simple matter of ‘family helping family,’ attempts to weaponize emotional obligation to deflect responsibility for a significant financial breach. This pattern often indicates an imbalance of power, where the parent assumes inherent financial authority over the child’s resources, even those explicitly promised to the child.

The refusal to lend money was entirely appropriate given the history. Constructively, the daughter should prioritize her own financial stability. In future interactions, she needs to establish clear, non-negotiable boundaries regarding financial entanglement. This might involve limiting contact if the sole topic revolves around money, or explicitly stating that until a concrete repayment plan (with verifiable actions) is established for the original debt, no new assistance will even be considered.

What do you think of this story?





THE COMMENTS SECTION WENT WILD – REDDIT HAD *A LOT* TO SAY ABOUT THIS ONE.

JunoXX789 I lived with my mom after the divorce, and...

As for my stepmom, she didn't know the fund was...

Also, to clarify, I'm posting this now because I already...

CurrentPie8715 If you're in debt, you don't have money to...

You are NTA, and your stepmom's involvement in this, the...

Better to have both of them out of your life....

Techno_Core NTA

>*said he’s my father, and family should help each other.*

If that were true, you’d have a college fund.

Federal-Wolverine-52 NTA. You ALREADY helped him when he stole your...

CrazyMeansCreative Call him out on his expenses (trip, eating out,...

He could have the money. He just choses not to reimburse you. Legal action could be a thing depending on how you want to remain close to him.

PavicaMalic Info: Are you in the US? Was your college...

Armorer- NTA Your dad is an AH not only for...

The individual is facing severe financial distress and betrayal after discovering their dedicated college fund was spent without their knowledge or consent by their father. This creates a central conflict where the father demands familial financial support while the daughter is burdened by the debt he caused, directly contradicting his past promises and current actions.

Given the depth of the financial violation and the father’s continued display of financial irresponsibility, is the daughter justified in maintaining a firm refusal to provide any further financial assistance to the parent who stole her educational security?

Alex Johnson

Alex is an expert in finance and often shares tips on managing personal money.

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