<prompt> Human: As this is in rpersonalfinance, Im more interested in the financial implications, rather than the rrelationship_advice opinions. However, if you want to throw out some relationship opinions, Id be happy to hear those as well. Me: - 130k in retirement account investments. - 30k in outside retirement investments. - 20k between checkingsavings. - 35k -ish home equity 165k mortgage, value 200k-ish.- 110kyr job.- Total Net Worth: 200k ishHer:- 70k in student loans.- 80k -ish per year job when she graduates in May as a Nurse Practitioner.- Total Net Worth: -70k-ish.She is absolutely fine with a prenuptial agreement. Also, I image that ill take the 6040 or 7030 split of living expenses while she pays off her student loans over the first 5-ish years.What is going to happen to my credit score? Or would we never have a reason to apply for a loan together, until her debt is payed off?What are the other financial implications which I havent thought of?  <response>: Rather than having a 6040 or 7030 split of living expenses have you considered just combining finances? All your income goes into one big pot, you jointly agree how much beyond the minimum to pay towards her loans, and all other living expenses come out of it as well? Seems simpler than dividing everything up.Her loans should have no affect on your credit score, even if you apply for a loan together - they look at both scores in that situation 