I was an immature student my first year of college, racking up $40k in student loans (parent, federal, and private), and earning a 1.7 GPA.
After that first year, I committed to focusing on the important things like studying/not partying, and told my parents that I'd pay for my education 100% going forward including all loans that I wasted that first year.
While they said it wasn't necessary, I did it anyway in exchange for moving back home rent free. So that's why I counted parent plus loans in my student loan total way back when (well before this blog/forum was ever a thing).
Edited to add: Now that I have a kid of my own, my wife and I agree that we'll cover tuition, at most, if possible. She also put herself through school with even less help (she moved out right after high school), and we both feel that having skin in the game was a huge reason why we became who we are today.