Mero budhi ko tanna debt chha....graduate  school janda tuition tirna sakina ra school jana man nalagira school quit gari dyo....so usle usko graduate school ko paisa ni tirna sakina..u university lai saat hazaar owe garche ...ani usko about 3000 $ pani debt chha....bichara usle kam pani payeko chaaina ani mero salary is not much that i can take her debt as well....aba usle debt default gari rakheko chha.....maile uslai bhane ki credit score ko chinta nagara because ill get you everything you need.....credit score bahek aru kehi problem hunchha uslai.........please give me your valuable suggestion.................

very nice discussion..
let me add few facts-
first; 10K is not big amount for two person. Work hard, you can pay it in few months.
second, talk to your school, most of them consider your situation and make some favorable decision.
Don't run away from the problem. Be determined and get ready to work whatever you find. Even if each of you manage to save 1K per month, it will take you just 5 months to get rid of all the debt. Most people manage to save more than 1.5k per months.

It seems your mentality is - why to pay for something that was not of any use for you. If you think this way and worry for 10k now, the consequence it will bring in future will be far more than that. You will regret for not paying this amount, and getting stuck in more important issues in USA in future.

I had wrost situation than that once in past.. and i was living in nightmare each day.

her change of status is being processed from F1 to H4...this sem she has taken off....

u know what they say trouble never comes alone...thats what happend.....some were in her control some werent....most annoying this is that she would have worked so hard to pay it off but not authorised to work is the annoying part....

well if she can't pay then you try to pay it for her man. why do you say it's her loan. when you're married is you guys' loan as a couple. but if you don't make enough money , then fk it. just enjoy , and quit worrying about things that are beyond of control. what can you do man, you can't go off selling your kidney or something. and what are they going to do, come break your fingers?i would say keep paying the credit cards at least the minimum payments and finally pay the tution too.

Thanks shrestha ji...lets call it a family loan technically :) but our hard earned money is so precious when you are also supporting your family back home.....thats for all your help ...realllly appreciated

why don't you give some picture of how you are managing your personal fiance. i think it would help people to give you better advise. how much is her balance on your cc and what is the APR. i know lots of people are getting a pinch because of raised APR on cc by cc company lately. how much is your income and expenses. i think it would be morally good to pay off debts but not at the expense of your health and welfare. so there are various ways you can deal with this problem.  if you give clear picture, i think people would give you a right advise.

i am just saying. i think it would really help.

one thing for sure is that her APR is more than 30% as she missed couple of payments....financially we are living modestly but not much savings or surplus......and i feel the pinch when i am the only breadwinner in the family and have already about 10 bills in my head!! no surplus to splurge!! :(

Dude, if you want her to file bankruptcy then take as much loan as she can and then declare bankrupt. if not, then get lower apr loans from your side and pay her loans. and then work together to pay the loans in your account. this will save her credit record, and give time to pay the loan.

for the university loan, even they sent the report to the collectors, try talking to the university to settle things between you and the university. I had had once a situation when i was contacted by collection agency, later i talked to the agency i owe money and they withdrew my info from collection agency. so it did not appear in my credit record.