<prompt> Human: My fiancé is in grad school and I am barely making enough to support us. It has completely destroyed her credit which was previously 751 and she is devastated. We both together already have 10k in credit card debt we are paying off and we both have student loans. Please offer any advice you have. I have no idea what our options are and we cant afford a lawyer. I trust this community. Please offer any advice you have! Edit: I made the post before I left work tonight. Just got home and got more details. Apparently back in 2015, a credit card offer came for my fiancé to her parents address that offered 18 months no interest. Her mom asked her if she could use it and transfer a couple thousand onto it so that she would have no interest, that she would have it paid off before the 18months was up anyway. My fiancé, being in undergrad and on good terms with her mother at the time, said sure. She never signed anything or made any usecontact with the card or account at all. She actually forgot she had agreed to that. Never thought about it again. Today I checked my credit and it had gone up a little. So I texted my fiancé and told her the good news. She then got curious about hers and checked. Thats when she found out.  <response>: You should look into your legal options. What your future MIL did is against the law and your fiance shouldnt be responsible for the debt. 