Navigating the "Debt Merger": When "I Do" Means "We Do" Your Loans

Anthony McGrath • February 6, 2026

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Marriage is about merging lives, dreams, and often, finances. But beneath the celebratory "I do" and the promise of "for richer or for poorer," lies a crucial, often uncomfortable reality for many couples today: the Debt Merger.



Gone are the days when most people entered marriage debt-free, perhaps with just a small car loan. Today's couples often bring student loans, credit card balances, personal loans, and even lingering medical debt into their unions. Ignoring this "financial baggage" can quickly turn marital bliss into financial distress.

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