[quote=Blogstar]…If it was from bad luck, maybe some school debt and the person just wasn’t the greatest saver, I would probably work with her…[/quote]

Russ, I don’t think a school debt is due to “bad luck.” A person who applies for student loans knows exactly what they are doing (trying to get $ for school and possibly to live on) even if they do not completely understand the terms. And these borrowers have a responsibility to know how much they owe on their SL’s at any given time.

How would you feel about your (joint) tax refund being garnished or a lien being place on your (jointly-owned) home due to delinquent student loans your spouse never disclosed to you that they had (or never disclosed to you that they weren’t paying on them)?

And how would you feel about having a spouse on an income-based repayment plan who is paying such a meager amount every month on their SL’s that the balance is actually growing every year?