<prompt> Human: Hello, you have a new message from Lender Name regarding your student loan application. Please login to see your new message.Fck. Another failed application to refinance my wifes, I mean our, student loans. Wait a minute, better login and check. Yep. Thats it.We got married 6 months ago, in October. Had met at a small, US Midwest university 5 years ago, worked on a team together a couple years after that. Dated different people. Didnt see anything of each other for a couple years. Fast forward Were both in China in a third tier city with max 30 or less foreigners and no English services. Ive been there about a year looking for meaning, dying from loneliness and her, a new arrival. Cue romance, dating, living together, getting a puppy, and settling in. She makes life possible.I knew she had loans. She was always open about that. She got screwed on her FAFSA application way-back-when and her dad was willing to co-sign, but thats it. 76k private loans and a newly discovered 24k in federal loans that some rando in the university office signed her up for without clearly communicating that to her or providing documentation!.I do all the finances. I meticulously track our credit accounts, scores, taxes, and figure out projections of where we could end up if we tackled her loans using a variety of approaches. Her private loan issuer has regularly declined to provide her original documentation, which would help us prove that she signed up for fixed interest rates which have miraculously become variable, and have jumped from the OG 8 to 11-11.25. As two teachers we make a livable wage here, about 55k together annually. Our employer covers local tax and housing, allowing us to dedicate over 50 of our income to our loans. With a low interest loan and a lot of discipline, we believe that we would be able to knock out the loans in about 3 years. Problem is, now weve reached an impasse. My mental health is shot. No insurance and no mental health providers available in English or in the country, for that matter within a reasonable travel distance, and no community to root ourselves in emotionally. I cant turn my back on my partner and pup, but I am really starting to crumble and cave inward emotionally. Ive started becoming physically ill every time I neared our workplace, have developed a number of physical ailments, and have contemplated ahem poor life choicesMoving to the States is a non-starter. Two non-certified English teachers will never be able to maintain our current loan payments of 1200.00 per month, even assuming I was able to take on employment in my mental state. Lowering our loan payments with deferral or according to our income would result in a torrent of additional capitalized interest over time, extending this nightmare of debt. Moving to another city or country would require starting over again, a new financial investment that would extend the financial burden. Remaining here feels like choosing my casket. Only married 6 months, and were already so emotionally distant from each other due to my stress and her resultant guilt.Ive applied for refinancing opportunities, but either we need to source USA-based income, or for those lenders accepting foreign income: our income requires a co-signer, and we dont have any available. Todays failed application was my last hope. I just dont know what more I can do.Edit: Re-reading my post, I can see its not clear how long weve been isolated here. Ive been here since Summer 15. She arrived in Spring 16.Edit 2: The more I reflect on this reddit, I think it is more an emotional and anxiety related one, than anything else. The loans are my wifes, and I dont think Ive represented her fairly; shes willing to pay them herself over the course of our lifetime, but I hate how that would limit us to stay here in this place for so long wut no friends or family. With a lot of invested time and effort, Ive created this three year plan, but its just not suitable for me to carry out and make happen emotionally. Most people would be thrilled to kick their loans in the pants within three years. Im just so depressed, anxious, exhausted and lonely that Im panicking at the thought.  <response>: 76k private loans and a newly discovered 24k in federal loans that some rando in the university office signed her up for without clearly communicating that to her or providing documentation!. First off how do you get 24k and not realize its a loan? Her private loan issuer has regularly declined to provide her original documentation, which would help us prove that she signed up for fixed interest rates which have miraculously become variable, and have jumped from the OG 8 to 11-11.25. And again, more lack of planning and organization on your wifes part, but of course you take her side and blame the school, or the loan companies or whoever else is convenient. She got herself into this mess plain and simple, and you got yourself into it by marrying her. Just accept it and deal with it or divorce her and move on. Youre not required to pay her bills if you dont want to. Remaining here feels like choosing my casket. Only married 6 months, and were already so emotionally distant from each other due to my stress and her resultant guilt. This seems like more of a relationship problem than a financial problem. You said yourself you can pay the loans off in 3 years or so. Thats not too bad. If youre committed to this relationship buckle down and do it. Take a vacation, live a little, then go back to the grind. On the other hand if youre really not feeling this just bail. Its only been 6 months, you can cut your losses and move on. 