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Not restricted by other people's opinions and carefree. If your that person, feel free to email me. One of the things that make a relationship and happy is being good stewards of your money. I follow the Ramsey financial philosophy and I have done.
And, yes not paying them back has a negative impact on your credit! TallGirl, if you have a great career and a great job etc… then it sounds like you guys need to lower your living standards to persevere while hubby is in school. There are few job markets that are hiring right now but I do know the medical field is fairly solid right.
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Why do you think the law is written the way it is?