<prompt> Human: EDIT: I know this post has already been downvoted, I imagine because it includes a lot of irresponsibility, but I will say I love this sub. I have never had a financial mentor and finding this sub helped me turn my financial life around!I have been with my partner for 8 years. We never had any money, because we lived in Brooklyn and were doing the freelanceentry level thing. We recently moved to a rural, cheaper area, got lower paying jobs, and still saved 10,000 !! and paid off our credit card debt which we are incredibly proud of.We have had a joint checking for a long time and been very responsible with it as a pair. We also have our own joint checking accounts for fun things. We have had the joint savings account for 10 months and have consistently met our monthly savings goals. I am definitely the financial planner in our relationship and make all the financial decisions, which he is fine with.The nagging problem in the back of my mind is, he has ignored his student loans for the past 7 years. We just checked his credit report and it said they were Closed-transferred in 2013. He didnt do that so were not sure what that means... Maybe sent to a debt collector who hasnt been able to get in touch because we moved a bunch? I know that this is terrible for him, but never felt the ability to tell him what to do because he was so broke. Now that we have a little money, I worry that he could have money garnished and it could come from our joint savings.Should we split up our money just in case? EDIT: If we did get married, which weve been thinking about, and we split the money up, would the money still be vulnerable to garnishment?Assistant: Are these federal or private student loans? With him not having paid on them for 7 years and depending on the state he took them out in, that answer will matter in determining any vulnerability to garnishment, since private student loans are subject to the same statute of limitations as any other loans are.Human: They are private student loans that he took out in New York state. Do you know where can I find a reliable source about the laws on debt?  <response>: The statute of limitations by state can be found here 