<prompt> Human: Right now Im at the stage of my life where Im looking to get married and buy my first home. My girlfriend was forced by her father to take out over 200k in student loans. Ill spare the story but there were a lot of false promises that he would pay for it over time and that has not come through. This has unfortunately ruined her credit score in the low 500s and made her dependent on me to rent an apartment, buy a car, etc. After 7 years of court battles over his promise, the court finally made him start paying for the student loans. Unfortunately, he refuses to pay more than the minimum payments, which in this pace it wont be fully paid off until my girlfriend is 55 years old!1. Is there an option not to file for combined income?2. After we get married, would my credit score be impacted?3. Do I automatically inherit her student loan debt?4. If we do decide to buy together and we cant make the payments, could they come after assets house, car, investments that are only in my name?Any help would be greatly appreciated as well as any resources you could point me to.  <response>: So... your girlfriend has not been paying the loans herself? Is she also paying them off along with her father? What did she go to school forwhat is her degree in? 