Marrying into Student Loan Debt Can Be Costly

Student loan debt is something that is becoming more and more common in today's society. With more and more people attending college, student loan debt is occurring at an all-time high. While you probably planned ahead for your own student loan debt, it might have been an unexpected expense to account for your spouse's student loan debts. If your spouse has taken a lot of classes you might be shocked at the amount of student loan debt that they have. Marrying into student loan debt can be very costly. Here are a few things to think about with a spouse's student loan debt.

Is This Your Debt?

Debts that were racked up by your spouse, might affect you. However, to find out if they can affect you, you need to fully understand the laws of the state in which you live. Some states are under community property laws and some use separate property laws. If you live in a state that goes by community property laws, you can be accountable for the debt as well. This only applies if the student loan debt is incurred after the marriage takes place. If you live under separate property laws, you might not have to worry the debt at all.

Strained Budget

When you get married, you usually have to start living on a budget. You have to support the other spouse and they have to help support you. You are in this arrangement together and everything should be a team effort. All of the bills that come with the spouse are now partly your responsibility. Maybe your spouse went to a doctorate or an MBA program and racked up some major student loans. In some cases, these loans could be well over $100,000. This is basically like having a second mortgage to worry about.

When you each have credit card bills, medical bills, a mortgage, utilities, and groceries to worry about, it can really be a strain. While the amount of debt that your future spouse has should not be the ultimate factor in determining whom you marry, it is a factor. Marrying someone with a huge amount of student loan debt can really set you back at the beginning.


Since student loans are technically through the federal government, there are a number of ways that they can hurt you financially. They will try to get the money from you in a variety of ways. They can garnish your wages and attach your income to your spouse’s obligations. This can make your spouse's debt suddenly a very large issue for you.

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