For example, if one spouse owed $25,000 and the other owed $75,000, they allocate liability at 25/75. An extended term fixed payment for $100,000 is about $700 a month.
On a 25/75 split the parties are responsible for $175/$525 for up to 25 years.
When you get married, what was separate tends to become one.
The same can be said of student debt, depending on your preference.
Student loans and their impact on each of your credit scores remain separate on paper and credit reports, but each spouse’s debt involuntarily affects the other’s credit score.