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Reply to "Daughter married a doctor, he’s pressuring her to pay off his student debt"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Is he asking her to pay it all in a lump sum, or to help pay it off over the term of the loan? I agree paying in a lump sum is a big ask and probably not smart, but as a couple they should contribute to the payoff over time, and as his income increases he will contribute a lot.[/quote] No, she shouldn’t contribute at all. That’s his own debt. This predates the marriage. That’s not her problem.[/quote] I honestly don’t get how this would work.If she makes 100K and he makes 50K and uses 10K of it to pay down his debt.… their household is 140K. If she makes 100K and he makes 50K, and they each pay 5K, their household brings in 140K. Unless they each have 100% their own accounts, expenses, spending money, etc. And then divide everything in half with the household expenses, kids and everything going forward. But then, they’re saving for a down payment together and the interest rate on bills like their mortgage depends on their joint household income/debt, so it’s all ends up being the same. [/quote] No it’s not the same. This is how it works. She makes 100K. He makes 50k. Household expenses are 100K. They contribute 50% each. She brings 50K, he brings 50K. He starts using 10K to pay his own debt. His contribution is now only 40K. She loans him the 10K to cover the shortfall. Now he owes her 10K. That’s how it should work.[/quote] This is not a marriage…[/quote] Yup—do not understand how you can be married and think like that? What’s mine is ours/what’s his is ousts—-we are a family and it’s a pool of $$ that is completely both of ours. And we jointly decide how to spend it [/quote] That’s you. Joint assets and finances work for you, it doesn’t work for everyone. There are plenty of successful married couples with separate assets and finances.[/quote]
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