Would you marry a girl if her credit was bad?

Who was it on here that said as a husband, it is your job to help pay off your wife's student loans?

Yall agree with that?
Lol no. What did she do to deserve that? I would do that for my parents and siblings, a spouse is not on that level.


You'd hope she pays off her debts in 30-40 years
Yeah no, she needs to not have debt at the beginning of this transaction or it's not happening.
 
I would have a long engagement and have her take care of that situation or at least get it to a manageable debt. If she can't get that done around 3 years then it's time to move on. Not only get the debt resolved but would have to work on the spending behavior that got her into that mess.
 
I would have a long engagement and have her take care of that situation or at least get it to a manageable debt. If she can't get that done around 3 years then it's time to move on. Not only get the debt resolved but would have to work on the spending behavior that got her into that mess.
Well, consider the possibility of most of that debt being student loans, school-related, etc.
 
obviously generic question is generic and a lot goes into this. But speaking in generality i would say no. Bad credit speaks to responsibility to me.

For the record you can be in a ton of debt and still have good credit. So debt does not equal your credit score is bad. You have to be delinquent on payments to hurt your credit. If you are working on getting things together and you had a rough patch when you were younger type steez i think i can be ok with that. But if you are just not paying your debts and avoiding them that speaks to your personality and how you deal with conflict on a different level to me so na...that ain't my type.
 
I would have a long engagement and have her take care of that situation or at least get it to a manageable debt. If she can't get that done around 3 years then it's time to move on. Not only get the debt resolved but would have to work on the spending behavior that got her into that mess.

Well, consider the possibility of most of that debt being student loans, school-related, etc.
Yeah but if you're a certain age and don't have a handle on your student loans by that point then you don't fit the bill either.
 
Who was it on here that said as a husband, it is your job to help pay off your wife's student loans?

Yall agree with that?

Explain this to me...

Is this statement under the assumption that she's NOT working?

If you have a combined account as a married couple, then yea...I can see how the both of you are paying it off.
 
If she isn't working then a loan agreement is being signed and I'm getting my money back. I wouldn't want to stand idly by while her credit gets destroyed but at the same time this isn't a charity.
 
How thorough do mortgage lenders research to see if you're married?

Because my credit is stellar. I could just apply for the loan individually.

Or I could just apply when we're engaged.

That's my only question.

Otherwise, it's not really an issue for me.
 
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If she isn't working then a loan agreement is being signed and I'm getting my money back. I wouldn't want to stand idly by while her credit gets destroyed but at the same time this isn't a charity.

Just throwing a hypothetical out there....

Let's say she's job hunting aggressively, but is having zero luck. Would you step in to help out w/ her payments?

I could see you saying yes, but with a stipulation that she pays you back :lol:
 
This was part of the reason I didn't wanna get married until I was at least 30. I know how tough student debt can be, but I've always assumed if you don't have your personal finances in order by the time you're 30, I wasn't going to be pulled down with them.

On that note, Wife and I with 800+ scores.



How thorough do mortgage lenders research to see if you're married?

Because my credit is stellar. I could just apply for the loan individually.

You definitely still can, but I'd assume you'd get a much higher mortgage loan if there were two of you. One of my boy's left his wife off his mortgage for their crib, but it wasn't exactly a dream home either.
 
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i was somewhat surprised to learn that 800+ credit scores are more common than i thought...not by much though, thought it would be more near 15%
 
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I would have a long engagement and have her take care of that situation or at least get it to a manageable debt. If she can't get that done around 3 years then it's time to move on. Not only get the debt resolved but would have to work on the spending behavior that got her into that mess.

Well, consider the possibility of most of that debt being student loans, school-related, etc.
Yeah but if you're a certain age and don't have a handle on your student loans by that point then you don't fit the bill either.

Professional school is f'n expensive

My fiancée pays 1K in student loans a month but they're not paid off yet. Even if I was in a situation where I had no debt (I have 125+) I wouldn't judge her for having debt.

She's going to keep working but even if I'm not paying for her loans directly I will be indirectly by contributing a bigger share to the down payment. I'm not going to rent longer than we have to just so it's "fair"
 
If she isn't working then a loan agreement is being signed and I'm getting my money back. I wouldn't want to stand idly by while her credit gets destroyed but at the same time this isn't a charity.

Just throwing a hypothetical out there....

Let's say she's job hunting aggressively, but is having zero luck. Would you step in to help out w/ her payments?

I could see you saying yes, but with a stipulation that she pays you back :lol:
Wouldn't you do the same to other people?
 
This was part of the reason I didn't wanna get married until I was at least 30. I know how tough student debt can be, but I've always assumed if you don't have your personal finances in order by the time you're 30, I wasn't going to be pulled down with them.

On that note, Wife and I with 800+ scores.



How thorough do mortgage lenders research to see if you're married?

Because my credit is stellar. I could just apply for the loan individually.

You definitely still can, but I'd assume you'd get a much higher mortgage loan if there were two of you. One of my boy's left his wife off his mortgage for their crib, but it wasn't exactly a dream home either.

Some ppl graduate med school with 300K on debt in their late 20s. Impossible to have it in order by 30 if you live anywhere coastal during residency when you get paid less than minimum wage per hour
 
This was part of the reason I didn't wanna get married until I was at least 30. I know how tough student debt can be, but I've always assumed if you don't have your personal finances in order by the time you're 30, I wasn't going to be pulled down with them.

On that note, Wife and I with 800+ scores.



How thorough do mortgage lenders research to see if you're married?

Because my credit is stellar. I could just apply for the loan individually.

You definitely still can, but I'd assume you'd get a much higher mortgage loan if there were two of you. One of my boy's left his wife off his mortgage for their crib, but it wasn't exactly a dream home either.

Some ppl graduate med school with 300K on debt in their late 20s. Impossible to have it in order by 30 if you live anywhere coastal during residency when you get paid less than minimum wage per hour

That's true, didn't think of that. I guess if you're in that situation, then it can be looked at as an investment and it'd be smart to wife her up.
 
I wouldn't marry a girl if her credit was good 
If she isn't working then a loan agreement is being signed and I'm getting my money back. I wouldn't want to stand idly by while her credit gets destroyed but at the same time this isn't a charity.
God damn you are cold man 
laugh.gif
 
This was part of the reason I didn't wanna get married until I was at least 30. I know how tough student debt can be, but I've always assumed if you don't have your personal finances in order by the time you're 30, I wasn't going to be pulled down with them.

On that note, Wife and I with 800+ scores.



How thorough do mortgage lenders research to see if you're married?

Because my credit is stellar. I could just apply for the loan individually.

You definitely still can, but I'd assume you'd get a much higher mortgage loan if there were two of you. One of my boy's left his wife off his mortgage for their crib, but it wasn't exactly a dream home either.

Some ppl graduate med school with 300K on debt in their late 20s. Impossible to have it in order by 30 if you live anywhere coastal during residency when you get paid less than minimum wage per hour

That's true, didn't think of that. I guess if you're in that situation, then it can be looked at as an investment and it'd be smart to wife her up.

I agree that undergraduate debt should be paid off by 30 if one didn't go to graduate school.

My fiancée went to an expensive B-school and is the current breadwinner so I can't be tripping in a couple years just because I'll be making more then :lol:
 
If she isn't working then a loan agreement is being signed and I'm getting my money back. I wouldn't want to stand idly by while her credit gets destroyed but at the same time this isn't a charity.

Just throwing a hypothetical out there....

Let's say she's job hunting aggressively, but is having zero luck. Would you step in to help out w/ her payments?

I could see you saying yes, but with a stipulation that she pays you back :lol:
Wouldn't you do the same to other people?

For your spouse, tho? :lol:
 
This was part of the reason I didn't wanna get married until I was at least 30. I know how tough student debt can be, but I've always assumed if you don't have your personal finances in order by the time you're 30, I wasn't going to be pulled down with them.

On that note, Wife and I with 800+ scores.



How thorough do mortgage lenders research to see if you're married?

Because my credit is stellar. I could just apply for the loan individually.

You definitely still can, but I'd assume you'd get a much higher mortgage loan if there were two of you. One of my boy's left his wife off his mortgage for their crib, but it wasn't exactly a dream home either.

Some ppl graduate med school with 300K on debt in their late 20s. Impossible to have it in order by 30 if you live anywhere coastal during residency when you get paid less than minimum wage per hour

That's true, didn't think of that. I guess if you're in that situation, then it can be looked at as an investment and it'd be smart to wife her up.

I agree that undergraduate debt should be paid off by 30 if one didn't go to graduate school.

My fiancée went to an expensive B-school and is the current breadwinner so I can't be tripping in a couple years just because I'll be making more then :lol:

all the best to you :nthat:
 
If she isn't working then a loan agreement is being signed and I'm getting my money back. I wouldn't want to stand idly by while her credit gets destroyed but at the same time this isn't a charity.

Just throwing a hypothetical out there....

Let's say she's job hunting aggressively, but is having zero luck. Would you step in to help out w/ her payments?

I could see you saying yes, but with a stipulation that she pays you back :lol:
Wouldn't you do the same to other people?

For your spouse, tho? :lol:
That doesn't make her exempt. Those things are reserved for my parents and siblings.
 
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