<prompt> Human: Hey there, redditbuddies. My wife and I dont really combine finances. We split things down the middle mostly with me picking up most of the non-utility rent daycare paymentsHeres a little info about my loan:Principal50,168.00Rate7.3681IntDay10.13IntMonth308.04IntYear3,696.431kless day0.201kless month6.141kless year73.68heres a little info about my wifes loan:Principal6,511.86Rate3.5Int Day0.62Int Month18.99Int Year227.921k less day0.101k less month2.921k less year35.00To complicate things, my wife just lost her 36Kyear job. Ill be supporting with my 85kyear job until she can find another one. Make me sad as I was putting 2500 to my loan every month in the hopes of being debt free within 23 months - but that will change. My suggestion was to let me BUY her 6500 loan Ill set up automatic payments with my CC and that she should pocket the extra 3500 for her emergency fund. Then Id put that 6500 towards my 50k loan. Full disclosure. She also has an additional 30K loan at the same terms - but that loan is subsidized. Any thoughts? Any help? To pay off the 3.5 6K loan while Im sitting with a 7.4 50K loan seems bonkers to me. If shes scared about us breaking up she shouldnt be, then can I just legally but the loan from her?  <response>: Take the 10k and run. Yes, youll pay more in interest in the long run, but I wouldnt give her a hard time about a 10k gift. Just smile and nod. 