<prompt> Human: About to enter into a home loan arrangement with my SO of a few years.I have a few debts already:Car Loan - 12kUniversity Loan - 32kMisc Loan - 10kMy SO knows about the Car Loan and my University Loan, however its the Misc 10k loan Im embarrassed with and dont tell people about.This was not for anything exciting, purely just spent too much money on an overseas trip, needed furniture and with rent and bills, I havent been able to pay off the debt.Now were looking at entering a home loan contract together and visiting banks where we generally disclose our full financial position and they tell us how much we can borrow, but Im still embarrassed about the 10k misc loan, and havent mentioned it.I could probably pay it off in the next 12-15 months, but my SO wonders where all my money goes, and that would hurt our chances of saving up a sizeable depositdownpayment on the loan.the embarrassing loan itself doesnt affect our borrowing power much, and makes little difference in the banks calculations, I just want to avoid mentioning it and slowly pay it off in my own time.I seem to have 4 options:1. Just tell SO about it, she may then think Im not responsible with money and think twice about buying a house with me.2. Try and smash the debt in 12 months while also trying to save for the depositdownpayment3. Borrow the money from parentsfriend for a short period. I could borrow 10k to hide the debt while we apply for home loans, avoid mentioning it at all, then get a personal loan secretly afterwards to pay back the parentfriend.This would still involve telling somebody about the embarrassing loan but not telling SO.4. As it makes little difference to our borrowing capacity, can I ask the bank to interview us separately about our current financial positionThis way I could potentially call up the bank ahead of time when making an appointment, ask them to treat us separately and not disclose my exact financial position to my SO. Or I could send through some extra details of my embarrassing loan after our initial meeting for their calculations if they understood I didnt want my SO knowing my financial position, but was happy to disclose to the bank in confidence.Completely unsure how to proceed  <response>: Why are you even considering buying a house with your SO when youre willing to lie and jump through hoops of fire to avoid being honest about something like this to your SO? 