<prompt> Human: My girlfriend has about 10k in credit card debt and is struggling to pay it off with the amount she earns about 1400 a month I think and her other expenses like car payments. Were engaged and Im wondering how this could affect me both negatively and positively. Her credit wouldnt affect me if we got married would it? Would I be able to perhaps buy out her debt and put it on an account I own at a much lower interest rate and then she can pay me monthly? Or open an account with me as a cosigner? What could be a good way to combat this?On another note, are there any tips to help someone with bad spending habits? She impulsively buys things a lot and I dont really know how I could teacher her to have better spending habits and to think twice before buying something.Edit: FYI I make 70k a year and pay for most of our expenses including mortgage, utilities, groceries, etc. I make about 3k a month, pay about 1.5k in fixed things like mortgage, car, and utilties, and maybe another 1k in variable expenses like food and gas  <response>: Her credit wouldnt affect me if we got married would it? No, it stays separate. Would I be able to perhaps buy out her debt and put it on an account I own at a much lower interest rate and then she can pay me monthly? Sure, but Id wait until youre married. Or open an account with me as a cosigner? This is the same as putting it into an account in your name as above. What could be a good way to combat this?You have the right idea. Lowering the interest rate will help pay it off faster. I dont really know how I could teacher herIf she isnt remorseful about gaining the debt then youre going to be back where you are now. 