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[quote=Anonymous]NP and haven't read the replies yet, but I was in a similar situation and here is how it turned out:

My mom left my dad when I was 8 y.o., and we were scraping by.  After high school, I lived at home, worked two jobs, and went to a junior college.  When I got to my four year college, my mom had remarried and due to my step-father's financial situation, I couldn't get financial aid.

My step-father, who I actually didn't like very much because he was pretty rigid (we didn't NOT get along but we didn't get along either), said it was his fault that I didn't get the aid and stepped up and paid my tuition and for my little place in someone's garage.

I ended up going to Harvard Law and he paid for that as well.   This was all done even though my dad was in town and contributed nothing.

So I just skimmed your OP but I think you said you have not discussed the matter with your new husband.  What is the harm in discussing this with him?

Even if she takes out a loan from him, he can charge her less interest than a bank would, and that money comes back to "the family," not out the door to a bank.

When my DH and I bought our house, we took out a loan from my mom and step-father and paid them.  The interest was really low, but the interest went back to them--stayed in the family, and eventually (after they died) benefitted both my brother and myself.[/quote]

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