There are definite tax implications to the "no interest" loan that Amy proposed (it could be considered a gift if IRS Applicable Federal Rates aren't charged and it exceeds certain maximums), however I do not think it ungrateful for the letter writer to ask her in-laws (or better yet for the child of the in-laws to ask).  Some parents don't think about this, some parents grew up thinking to give money to adult kids was insulting, and some are more worried about reducing their own taxes (my parent) than providing for their grandkids education.  Importantly, many of this era may not have any realization how much higher education costs have grown.  So have these conversations in a polite and respectful manner, and if the answer is "no", accept their decision.