<prompt> Human: My wife and I are from two very different financial backgrounds. I have a very good credit score, my own house, and a nice sports car. My only debt was my mortgage 121k left, house currently worth 160k and my car payment 17k left. No student loans and no credit cards, and about 30k in retirement savings already Im 31.My wife was married previously to a very live in the now, dont worry about the future guy and after their divorce she still had a variety of debt that was hers upon all the paperwork being finished. Her debts are her student loans she already had student loan debt before our marriage, but is still going to school for her masters and is gaining more student loan debt currently, her car 13k left, two credit cards 7k and 2.5k, and then medical bills which are currently being ignored 4kish all together.I am currently in between jobs but luckily my wife still has hers. Even so, financially we are losing a good chunk of money every month after paying bills and other expenses, but luckily I have a nest-egg of savings for just such occasions was 15k, now down to 7k. It will last us about another 4-5 months at the current rate we are going. I have control of our finances at her request as well as my desire to do so and am trying to get all the debt under control and understand the consequences of various financial actions moving into the future.My first question is about her student loan debt. We live in Arizona which is apparently a community state when it comes to debt related stuff in a marriage. Im fairly sure the student debt she accumulated prior to our marriage is only tied to her, but what about the additional student loan she took out after our marriage? I only really ask this because she says she has always wanted to be a student for life, and treats the student debt as a as long as I always take classes, Ill never have to pay it back kind of thing. The reason I am asking about this is if she does continue to be a student for life and continue to delay the need to start paying the student loans, and god forbid she dies before I do, will I be saddled with all the debt that was accumulated during her life long learning and essentially have any retirement I would otherwise be enjoying crippled beyond repair?My second question is about her car. There is 13k left on the payment for it, but the car is worth only a fraction of whats owed on it Per KBB we could sell it for the 3k range privately. The reason I bring this up is because at the end of this year, we will have the opportunity to buy my parents 3rd vehicle as they want to go down to only owning 2. The vehicle we would buy from them is worth a hefty amount more than my wifes current car on the market, and is also going to be a very nice upgrade over her current car. Sounds great but how would we really afford the chunk of change to pay my parents for their nice used car they would sell to us on top of paying her current car loan... and her suggestion is to just stop payments on it and let the bank repossess her car. It would absolutely destroy my wifes credit score, but her credit score is already really bad.Is this even something that I should allow to be considered? Or is it outright credit suicide for her as well as myself? If payments are stopped and the bank takes the car, would that really be the end of that particular debt? Or would they still have optionsways of coming after our money? Having her credit score tank to the depths of despair wouldnt really affect our ability to move or buy another car in the future as my credit score is strong enough on its own for good rates as long as Im signing for them solo.My last question is in regards to the medical bills. Currently they are being ignored as we cant afford to start paying them off until I get another job and we will have the income to allow us to do so. My wife swears that medical bills will eventually fall off after a few years of trying to collect and to just continue to ignore them. She said thats what her and her previous husband did and the medical debt just went away after a couple years. You cant exactly repossess someones health, but Im very skeptical that the collection agencies wouldnt try to come after your money in one way or another after long enough time of putting them off. Is there any legitimacy to what she said regarding medical bills?Thank you for any insighthelp. Ive lived my life pretty much entirely debt free aside from housecar debt, so all the sudden having to wrestle with so much extra debt is wracking my brain on what we can and cant get away with, as well as the best method to tackle it and get it under control.  <response>: What the hell is wrong with your wife? Has she ever heard of taking responsibility for her actions? Is her solution to lifes problems to just stick her head in the sand and ignore them? Something is seriously wrong with a person who plans on remaining a student forever just so she can avoid paying back the money she borrowed, willfully plans on letting the bank repose her car since she doesnt want to pay for it anymore, and willfully avoids paying her debts. How is she an adult? 