<prompt> Human: My significant other has about 35k in student loan debt. I can pay it off for him with him paying me back monthly. He first said no to this idea about a year ago. Its completely my idea looking at his intetest rates. What are some protections I can take to ensure the money will be paid off if our situation changes? While we are committed and love each other, Im also understanding that life isnt predictable. Aside from a loan agreement and notary, my worry is more about if something were to happen to him. Aside from life insurance, he doesnt have many assets. Thoughts?  <response>: Dont lend the money. He said no when you first offered, so hes not fully comfortable with the idea of owing you money. Let him pay it off. Itll be a great achievement when he does. I dont know what his interest rate is, but he could look into refinancing if its high.In the meantime, make sure your money is well-invested. If the rate is reasonable on his loan, you should easily make more on your money in todays market than hes paying in interest. 