If your parents clearly gave you money as a loan, then morally and practically it’s fair to return it when you’re able because trust and financial clarity matter in any relationship, even family. That said, parents often don’t expect strict repayment and many may even forgive it if they’re financially stable or see it as support for your growth. The best approach is honest communication: don’t assume they’ll waive it, and don’t assume you must repay on rigid terms either. Treat it as a responsibility with flexibility repay if it helps maintain respect and your independence, but also be open to their willingness to forgo it if they choose.