Wife is depressed, has defaulted on student loans and is working under the table.

[Just A Guy]

Originally Posted by Ruth4Truth

This. SO very this! We can't help you, OP; only a lawyer can do that. You need to figure out who can throw you a life preserver and help you get the help/sound advice/legal info you need.

Yes

Right now your wife is pulling you under. She is depressed, in deep debt, and engaged in illegal activities.

Get help before she drowns you.

[SandyJet]

Originally Posted by Kicks45

Have a bit of a crisis here and don't know what to do. I am 30, my wife 27. We have been married for 3 years and have twin girls that are 1 1/2. Early last year my wife graduated from nursing school but right after decided it wasn't for her. She did make 3 payments on it but hasn't done any since and spent most of the time in a depressed state which was made even worse when she started getting calls from collections. I have many times tried talking to her but she just says she doesn't care and spends most time with our daughters at least till 4 months ago she got a job but one that pays under the table. I'm VERY concerned about this and I don't make much and after all our other bills I can't help with her loans and I am at a loss what to do, she acts like if she doesn't think about them they'll go away.

Her credit wasn't very good when she graduated due to bad purchases and buying more than she could afford but now it's in the toilet. Will I have to worry about being responsible for them? What can I do to help? Her "stick your head in the sand" attitude she has is just making everything worse.

You mean "our" loans. Downside of getting married is you get the debt of the other. Upside is you get the cash too if any.

Your wife has a full time job watching twin 1 year olds. When does she have time to work under the table?