What happens to your student loans after you get married?


If you’re still paying off student loans when you tie the knot, your repayment plan eligibility may change.

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Your and your spouse’s incomes will now be seen as one, rather than separate. That could affect your month payment rate.

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Some lenders will allow you and your spouse to refinance your loans together, which allows either partner to have no current income at all. This is ideal for a stay-at-home parent or a person trying to start a business.

But just know — if you ever get divorced, you’ll still be responsible for paying off your student debt, even if your estranged spouse was a co-signer.

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