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question comes from andy in delaware my fiance had a lot of debt related to a prior divorce she's

currently living with her parents and her parents used a little cash and 10 credit cards to pay off her debt. So now she owes them close to $75,000.

I know legally most of this is not in my fiance's name, but morally we owe it together when we get

married. I didn't agree with how her mom put this debt on credit cards and it doesn't sound like

they are paying much more than the minimums right now.

My plan is to take out a personal loan after we get married to pay off her parents in full.

So I have control over the debt completely. This would drop down the interest significantly.

We could then attack it with both of our incomes to pay it off as quickly as we can.

Would this work or is there a better plan?

Okay.

So just to clarify, there was a divorce.

She had debt.

Her parents said, we'll take care of it, but we're doing it with credit cards.

And you're like, no, when we get married, we're going to take out a personal loan to clear it.

I don't necessarily like that method. I like that you're

saying, hey, after we get married, then we'll tackle it together. That is right. So green check on that.

I would not do the loan. The truth is, you're only on the hook for the $75,000. You're not necessarily

on the hook for any interest that is in crude

because of their method of paying for this. That part is on them because they chose that route.

They chose that card with that interest rate, unless there's a conversation that I don't know

about. In my mind, I'd be like, I owe you $75,000.

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