 TITLE: How Does Marriage Affect Your Student Loans? CONTENT: Will You Be Responsible for Student Loan Debt After Divorce?\n------------------------------------------------------------\nAssuming the debt is only in your spouse's name, you will likely not be responsible for the debt after a divorce. But again, if you cosigned a student loan or a refinance loan to streamline your spouse's student debt, you are obligated to make the payments—even if your divorce decree says otherwise.\nIf your name is on the loan and your ex-spouse fails to pay, you'll still be legally responsible for coming up with the money. Should the loan could become delinquent and ultimately go into default, your credit score will be damaged, as well as your ex-spouse's.\nThe only way to be absolved of that responsibility is to be officially released from the debt, whether that means talking to your creditor about having your name taken off the account or your spouse refinancing a new loan in their name. A divorce decree does not release you from debts you held jointly with your former spouse, regardless of what you've agreed to in your settlement. If the decree specifies that your ex is responsible for a debt, you will be affected if they fall behind on payments. END