(Closed) Inheriting debt from FI – How are you handling it?

posted 11 years ago in Married Life
Post # 32
4 posts
  • Wedding: March 2010


Ho hum, debt. Neither of us have credit card debt or car payments, but, like many other people, he has $25,000 in student loans. Definitely not how I pictured my marriage starting. It IS hard, because I worked through college and sacrificed my spare time to come out debt free. I’m trying very hard now to accept that these choices were made in the past– it’s important not to focus on whose debt it is, but rather how to pay it off. Ask me again in four years. Mr. Melba is about to embark on a $50,000 per year professional school program (veterinarian), while I work two jobs to support us. 🙂

We will work together to pay it off, much like you and your fiance.

I’ve occaisionally thought about how much easier it would have been to meet Mr. Melba five years down the road, when his debt is paid off and we’re both in steady jobs. Then I realize that I’d rather spend these years with him working our tailends off then be without him. It keeps me going, at least.

Keep your chin up 🙂 You don’t have to be perfect and bitter-free all the time; just make sure you talk to your Fiance about it!

Post # 33
1 posts
  • Wedding: February 2010

I am in the boat of myself bringing the debt into the marriage. We both had debt when we met, but we have slowly been just paying it all off. We accept the fact that before we met, we may not have been as careful about debt as we should have been, however, its minimal (as mine only being about 3,000). We worked as a team to get his handled, and thats what we plan to continue to do. I have no problem taking responsibilities for my debt, and would never ask or expect him to pay, but somehow, we never really have the need to discuss this issue, we just do what we know needs done. If we want to get in our own home, we know we need to have a clean credit line, and its a dream we share, so we trudge our way there together.

Post # 34
227 posts
Helper bee
  • Wedding: June 2010

I’m the one bringing the debt into our marriage. I am still working on paying off credit card debt that I’ve had forever, due to keeping myself fed with a roof over my head while in school. I’ve promised him that I’ll have that gone before we get married, though, and I’m working on it. Unfortunately I’ve got some guilt that I may not be able to contribute as much to the wedding. 🙁

I have a car loan that will be mine alone to continue. It only seems fair. I got the car long before I met him and I’m the only one who uses it.

Student loans are another story, though. I have a masters degree; Fiance has no degree but started from the bottom in his company, taught himself what he needed to get promoted, and makes more than I do. However, my loan payments are income-based. When we get married, my “income” for all intents and purposes will more than double and they’re going to jack up my payments. He’s going to have to help. I just won’t be able to make higher payments on my own. Hopefully things will even out a bit when I’m able to make good money running my own business down the road – that’s the plan, anyway!!

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