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After two years, they had finally paid off the entire balance together — $22,680 of which Wheeler paid personally. While the initial process was overwhelming, I found that doing my research and knowing exactly what I was getting into was a great starting point. After I showed my husband that he was spending around $1,500 a year in student loan interest, we decided that I would start paying a portion of his loans — with a deadline of two years. We didn't decide on a set monthly amount — the expectation from the beginning was just whatever I could contribute. My average monthly payment was $612.
When I told a friend what I was doing, she thought I was crazy. "It's not your debt," she told me. But when you're married, it is your debt. And as a couple, it's important to tackle it as a team and remove any negative emotions that could cloud your judgment and ultimately sabotage your end goal.
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