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.