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The Moneyist: My wife revealed she has $220,000 in student loans—what do we do now?

Dear Moneyist,

I’ve known my wife for 8-plus years and I’m happily married with a newborn son. We both make a good living ($100,000 per year), but we pay a significant amount in student loans. I work multiple jobs, and we get some help from my parents and scholarships. My master’s cost 3 times less than her master’s. She owes over $200,000 in federal student loans and another $20,000 in private student loans (one is at 12%).

I was not aware at the time that my wife’s loans were twice our mortgage payment and, while I think we will manage, it has really eaten into an already hectic marriage with our newborn.

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