<prompt> Human: Im engaged to my fiancée and I have always pondered this question even before her. Usually when I hear people bringing up the idea of a pre nup, its about a man who makes a lot of money and the wife to be doesnt have a career. My fiancée both work and earn about the same amount. The difference is, she has A TON of student debt 150k. Obviously I dont expect to get divorced but who does though?, but I have seen people devastated by divorce and want to avoid a similar situation because of preparation. We have batted it around before in a not so serious way. Thoughts?  <response>: Not all debt is transferable to you through marriage. You will want to consult an estate lawyer, look at your states laws and investigate whether or not her specific loans are discharged with death.As I understand it, as long as you dont borrow or refinance after you get married, the debt she incurred before you were married is likely to stay with her were you to divorce. However, if she passes away and the loans arent discharged with death, then they will need to be paid off from her estate. Since youll be married, thats likely to be the things you own together bank accounts, home, etc.Such risk is offset by purchasing term life insurance a good idea for both of you which can make cash available to pay off debts.I think its important to have an open conversation with her about the debt and the possibility of it not being discharged by death is a reasonable explanation for consulting a lawyer. 