<prompt> Human: Throwaway because of significant personal information.So, I am incredibly lucky in my age group 29, in that I have no debt and great credit I think it was 766 last I checked. My girlfriend is in the opposite boat, I think she is about 36,000 in debt, not including student loans she wont let me look at her finances, but I think its mostly credit cards, then a personal loan for directly after school before she got a job, and around 10k from her sister - and her credit reflects that. I make just under 60k, pre-tax. I think the actual number is around 57.5k but I dont know it off the top of my head. Comes out to 3500 a month take home pay. She works the same job and started a year before me so she has a slightly higher income - but shes been on medical leave so right now Im supporting both of us. She will be going back to work mid-August. Before the leave all her money was going toward her loans and payments so Ive been pretty much supporting both of us for a few months.She has been thinking of filing for bankruptcy for a long time, which is probably not the worst idea. We have friends who did that and qualified for a huge house loan 2 years later. But yesterday I got a letter from Discover saying I could get up to 35k in a loan starting at 7 APR - with 84 months to pay it off. I know those figures are not accurate, since thats the best possible they use to woo people - but now were thinking about me taking out a loan to pay off her debts and she can pay the monthly payment. The Discover site said if I took out a loan for CC debt, 70 had to go to creditors.Im assuming people will tell me its a bad idea to essentially adopt her debt. But, if I do want to pursue this, where can I go for the best loan options? If there is some requirement for the money to go to creditors, does it count if its her creditors? Are there better options to get her out of debt?EDIT: Thanks for all the advice. I know its an awful, awful idea. But I want to at least know my options before I make a decision here.EDIT 2: A lot of people are talking about how she wont let me see her finances. I agree thats a huge issue, but that was just to explain how much info I actually have. I definitely wont go through with it unless I can see everything.EDIT 3: So Ive decided to look at how much we were thinking the monthly payment was going to be and seeing if she can pay off her debts using that in 3-4 years.UPDATE: She showed me her finances. Shes actually 47,000 down. But a lot of the CCs are one lender so she thinks she can negotiate that down a bit. And 4000 is her sister so she says theres no rush on that. The biggest loan I could find was 39,200 after 800 origination fee so I applied for that. I truly believe even if we break up she will continue to make payments. I know this is a huge gamble and very, very stupid, but shes going through a lot and I think this is going to be a huge help to her.EDITUPDATE 2: She also wants me to take over all her accounts and change the passwords and just give her a debit card allowance. So maybe that will help the problem in the future.  <response>: She wont let you look at her finances, but youre considering taking out a huge loan with a high interest rate for her? Have you considered what happens if you take out this loan and in 6 months your relationship ends? Unless youre married, her finances and debts are her problem, not yours. Myself, Id hit the eject button on a relationship that has so little trust she wont show you her finances so you can even begin to help her out with some guidance and ideas. 