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Parents can pay off their child's student loans, and there are no specific limits on the amount they can pay. However, there are some important considerations to keep in mind. Repaying a child's student loans is considered a gift, and the giver may be required to pay gift tax on the amount exceeding the annual gift tax exclusion, which was $15,000 in 2021 and $17,000 in 2023. It's important to be aware of the potential tax implications before making large payments towards a child's student loan debt 1 2 4 5 .