<prompt> Human: Its honestly starting to become too much to deal with especially since its HER student loans Im trying to consolidate as she sits on her doing nothing and not working. I work 40 hours a week and freelance on the side to be able to make the monthly payments and I just need a little help getting stuff together to hopefully get them down.How can I get her interested and caring about our personal finances? I dont want her to just help me, I want her to be involved and actually understand what APR means and the difference between bad-debt and good-debt.EDIT: Wow... did NOT expect the wealth of marital advice I received lol! To answer a few things... OP should get a D-I-V-O-R-C-EWife wants nothing to do with finances and the solution is get rid of my wife. I actually lold. OP is tiptoeing around his dissatisfaction and getting walked all over in the processI certainly feel this way. It has more to do with just the fact that I dont see that Im getting as much out as what Im putting in with the relationship... but yet again, this wasnt the subject... I appreciate the input though. Perhaps OP needs to stop paying for her personal debt.Yeah? Then shell stop cooking, cleaning, doing laundry, and handling her house responsibilities. Its just a traditional breadwinner-homemaker relationship. Not to mention we accrued this debt together. Our money is shared just like our lives are. I didnt step in and tell her, No you cant go to that online for-profit college because its a terrible investment, I said probably stupidly - Go for it, without considering that Id be paying the debt since I thought shed complete it and get a degree and go to work... we see how that turned out. Why is she not working?Because she literally has no skill set and hates retail. I make enough for both of us to live off of somewhat comfortably we still pinch a few pennies here and there but were dollar smart - or at least I am haha. Is the problem that shes spending too much?No, please re-read the OP and especially the last two-sentences. So put your foot down and make her take care of her own personal debtAs mentioned previously we incurred this debt while together and mainly because of her parents making too much money and therefore her not being able to get federally subsidized loans. IMO, when you start splitting things into mine-and-yours in a committed relationship you really start to go down hill fast.BUT MOST IMPORTANTLY could we stay on the subject of how to get her interested in finances besides pulling the bread-winning rug out from under her feet or threatening with DIVORCE?! Surely reddit has better solutions than that?  <response>: My nuts pulled up into my stomach as I read this post.No kids either? Why is she not working?This goes beyond personal finance and into marriage counselling territory. I dont think anyone here can give you a qualified answer. 