Is AUTHOR wrong in the post ? POST : Buckle in folks, this is gonna be a long one. Throwaway for personal reasons.

Okay, so I have a massive student debt. About $110k total with about $65k in Parent Plus Loans in my mother’s name. I also have a baby on the way. Currently, I’m paying $600/mo toward the parent plus loan. I’ve asked my mother to reapply for income based repayment as her income has changed significantly (she has none) and I really need the flexibility to prepare for child related expenses. (I’m not planning on paying just the minimum, but if I need to do it one month because I have an emergency, I will.) My husband and I are currently living paycheck to paycheck, making decent money, but paying $1000/mo total toward student debt (income based repayment minimums). 

She is refusing to reapply for the income based repayment despite the fact that she makes no payment towards these loans. She also took out the maximum every year I was in college despite the fact that I specifically asked her not to, as our agreement was that I would pay them back. She claims she used the extra money toward me. There’s no way all the money was used for my expenses. She fixed my car once to the tune of about $700, but never helped with rent or groceries, even leaving me homeless for about six months while I was in school. She probably netted about $15k off these loans. 

WIBTA if I stopped paying these loans if she refuses to reapply for income based repayments? The loan is solely in her name, so there are no legal/financial repercussions for me. I imagine she will harass me to the point of needing a restraining order if I do this. 