<prompt> Human: My fiance works for the State government and had money deducted every paycheck to pay on two Federal student loans. At some point that stopped and she didnt know, and one or both went into default. She was able to negotiate one into a debt consolidation, but not the other. Starting in October she is going to have 25 of her wages garnished.Numbers for her:The defaulted loan is 25KThe non-defaulted loan is 15KWe calculated 25 of her wages to be 1000 monthThe other loan payment is 250 monthShe just bought a car on a 10K loan; payments about 250 monthShe pays about 500month for half of a mortgage with her retired mom paying the other half otherwise she mostly supports her mother, aunt, brother and his kids because she is only one with reliable employmentShe donates 10 of her net income to her church insists that is nonnegotiableHas a second part time job working for herself as a fitness instructor but class attendance fell off and it isnt making as much money; it was formerly responsible for any extra income so now she is sitting at break even every month before the 25!Right now shes trying to deal with it all her own and wont accept my help. However she also believes this has torpedoed our chances of starting a family together after were married.My numbers:77K yr salary take home 4500 month800 month rent 200 month billspaid off caronly 1300 savings though savings decimated by a divorce and a subsequent string of compounding bad luck, but it is all dealt with nowOur marriage is in March. Unfortunately me moving in with her and her mother is a non-option because her mother refuses to have any relationship with me due to religious convictions. Her mother believes that since I was previously married and divorced, any marriage to her daughter is invalid and living in sin and becomes physically sick at the sight of me.I have a number of questions. First, 25 seems draconian - how can they do that? Just how bad is the situation after we have combined income? Will the defaulted loan be paid off in 2 years under this plan, or do they tack on some kind of extra fees interest while theyre doing this? If we get married, does it become 25 of our combined income, or still just hers? If it is not combined, what happens if she stops working to have kids? What can shewe do in the meantime before were married? And after? Bearing in mind she still insists its her problem to take care of herself and not involve me - could also use help convincing her she needs to accept my help. Right now her plan is to get a 3rd job as a night delivery driver, and sell at a loss the car she just got and buy a cheaper when her brother pays her back 1700 he owes her.  <response>: Good luck. 10 of salary going to a church while her financial house burns is indicative of behavior that will soak your future finances, even more so than basically burning 10 of your salary a year 