<prompt> Human: My wife has a little over 10k in student loans for which she never received a degree. These loans were incurred before our marraige. She already has poor at least not good credit and she doesnt work, nor do we plan on her working for the foreseeable future. I make enough for our family to live comfortably on my salary. Further, everything we purchase house, auto, etc. is in my name and I have excellent credit and student loans of my own.So like the title says, what happens if I dont pay these back? Id like to focus on repaying my student loans, but hers carry a higher interest rate. Would there be any consequences for my familys finances or credit not just my wife if i were to allow her loans to default? I have two kids and live in Texas, if that helps. Thanks!  <response>: Why is defaulting even an option when the debt is tiny and you can easily pay it? You dont get to not pay your debt just because you dont want to work. 