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]They are married. Their money is combined regardless. [/quote]

unless they don't have a joint bank account, don't have kids together that would necessitate a split of expenses, i don't see how they keep their finances completely separate.[/quote]

Plenty of millennial DINKs keep their finances separate.[/quote]

point is that even if you have separate financial accounts, it's not totally separate from the family.  If one partner puts 25% of each paycheck towards loan payoff, that means they have 25% less to contribute to the overall family. [/quote]

This is what I was thinking.  If he's going to have to keep making debt payments, that's going to affect her.  An obvious example is a house purchase.  She may be comfortable with, say, $3k a month of her income going to a mortgage payment.  But if he's putting 25% of his income toward debt payments, he may say he can only afford $2k a month instead of $3k.  So that's going to mean she'll have to settle for less house.  I really don't know how couples can realistically keep finances separate.  [/quote]

It's better to settle with less income coming in than to rush to payoff a debt that isn't actually a marital debt.  The student loan debt is attached to an income that only he can earn.  His debt/his income.   This isn't my opinion.  It's the law.  If he dies, his debt and his income go away.  If they get divorced, his debt is still his debt, and his employer is going to keep paying him his income as they always have.  I don't know why that is so hard for folks to grasp.  Just mentally deduct student loan payments from what you think your spouse is earning and go forward with a household budget from there.   [/quote]

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