text: getting into marriage? i currently have low debt and my credit score is good. how does marrying someone who has and will encur additional education debt for school will affect our future life?  i would appreciate any help in this area. well, having debt is how you get a credit rating in the first place.  so just the fact that someone has some - and will continue to do so, doesn't mean it has to be bad.  it's how they handle their debt that counts.  you don't say how this person handles money, but it's very true that money issues are a big factor in divorces.  if s/he has a different perspective than you, you may want to consider moving on, staying but not getting married, or simply putting things off for a while.  it's very easy to get a bad credit rating, but not so easy to clear it up!