<prompt> Human: My girlfriend has an enormous amount of student debt 110k. I have some assets but not enough to overwhelm the debt40k. I am currently a high earner and low spender 61k yearly take home and 22k yearly expenses. I hope to be able to no longer depend on working to live in the next 15 years. If I marry my girlfriend and she is a stay at home mom and we keep our finances totally separate what are the implications? How does this affect our taxes and our ability to use tax breaks for future children and the single earner marriage advantage? Can the government and banks come after this?What do I need to do to protect her and my future children from this debt in the event of my death? Whats the cheapest and least risky way to deal with this?If she doesnt work for a large number of years can she get it totally discharged with no payment even if I have more than a million dollars in the bank? Can I mitigate the risk with only a term life insurance plan capable of paying it off and plan on it being totally discharged before I die before her in old age?  <response>: Im going to have around 110k in debt or so when I graduate but its undergrad law school and just married someone with zero debt. I feel ENORMOUS guilt for it, plan on working my butt off and living as frugally as possible and throwing as much of my personal money as possible at paying off the loans and wont think of having kids until Im at least 30. When I chose to pursue an expensive education, I threw any possibility of being a stay at home mom anytime soon out the window. Plus, if you divorce her, she has 110 grand in debt, years out of the workforce, kids to feed, and will have to start from scratch. Youre taking someone you love and setting them up for financial disaster. The only scenario I can think of is shes one of those people who tries very carefully not to think about her debt because it stresses her out and maybe she thinks being a SAHM will be an escape. Itll still be there, and unless youre helping her pay off the debt and you two work out a plan, youre setting her and your future children up for disaster. 