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The rules vary enough by state that you'd be smart to consult an attorney about your potential liability.

Wherever you live, though, this debt is affecting your union and your future together. The money she's paying in interest isn't available for other purposes, such as saving for retirement or your children's educations, plus it's clearly causing tension between you. If you want your marriage to succeed, you should invest in sessions with a marriage counselor and a fee-only financial planner.