<prompt> Human: UPDATE: Thanks all for responding. Sorry, I really should have prefaced more about our situation. My wife herself is reluctant for me to just outright pay for her debt that was separate from me. I understand that we are together now and share it, but it has more to do with accountability and NOT shaming. That being said, it just doesnt look like shes able to realistically do this by herself due to timing of her new career. She was always part of the discussion in finding a solution. Since were newly weds and trying to be more financially responsible we wanted to check all options before sinking lots of savings into reducing debt. I know just pay it may seem obvious, but we didnt want to skip over any other options, hence me posting on here for help.Sorry if my initial wording of this post sounded like shaming, thats far from how I feel. I guess this post should have been more about advice on budgeting TOGETHER.Hello PF, first time poster, be gentle!My wife has 30,000 in credit card debt from a failed entrepreneurial endeavor. Currently, she is in her first year at starting a new career, which at the moment doesnt pay well and isnt very consistent. It just barely pays for the minimum payment each month. Unfortunately, it looks like her getting another corporate job even temporarily to pay debt, is looking unlikely for right now. I just started a job that pays pretty good, so Im paying rent and various other bills to help out. I also have a lot in savings, but Im starting the process of slowly putting it away for better use investing, etcWhat are our options? My first idea would be for her to do a credit card consolidation service or personal loan with a lower interest rate. But her income may be a problem since shes essentially a low end freelancer. Is there a way I could co-sign or jointly use my incomecredit for a better interest rate without getting myself into financial trouble?As a last resort Im thinking I could even just pay the lower CC 6000 and have her pay that back separately over time, so she could focus on one payment.TL;DR: Spouse in bad debt with low salary, but I have good money and savings. How can I help her with using little or no money of my own? Thanks!EDIT: This is her debt incurred BEFORE getting married with some of it even before we met. Not sure if that matters now since were now shouldering it together, but just wanted thoughts or newbie advice. I personally feel that there needs to be some financial responsibility on her end, which she agrees, but given her current income, that may be untenable. Im willing to help pay it down, but was wondering if theres any red flags or financial tips I should be aware of before doing it. Thanks!  <response>: If you are married, it is your debt too. 