From: heidigraw@gmail.com   
      
   Hi All,   
      
   We've heard the news about students carrying huge debts because of their   
   student loans.  Many will take decades to pay those back.  Some never will.    
   Some will have their debts written off.     
      
   I know several students who are carrying 60 to 80 and even 120 thousand   
   dollars worth of student loans and who are currently unemployed, underemployed   
   and in a few cases disabled.  Whether or not their job prospects will ever   
   allow them to pay back these    
   loans remains to be seen.   
      
   Now, some of these students are in their mid to late twenties and are hoping   
   to marry some day, or just live common-law.  What will this mean to their   
   prospective spouses (married or common-law)?  Will these future partners be   
   held responsible for paying    
   back debts incurred by this other person they hope to marry or live in   
   common-law?  Do *prior to marriage* debts become the responsibility of the one   
   who never incurred those debts?   
      
   Somehow, I would think this might end up a rather formidable barrier to tying   
   the knot, especially if the ones who incurred the debt will never actually   
   work in the field they expected to work at that would allow them to earn   
   enough to pay back that debt.   
      
   Can anyone help me figure out these rules.  There are young people who I know   
   who are curious.  They don't know if they should get married or not.  They   
   don't know if they can live common-law or not.  They don't particularly want   
   to burden their future    
   spouses with their own debts.   
      
   Thanks a bunch.   
      
   Heidi   
      
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