{"id":262,"date":"2022-10-07T09:08:38","date_gmt":"2022-10-07T07:08:38","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/?p=262"},"modified":"2024-11-29T03:11:41","modified_gmt":"2024-11-29T02:11:41","slug":"can-spouses-combine-student-loans","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/can-spouses-combine-student-loans\/","title":{"rendered":"Can Spouses Combine Student Loans?"},"content":{"rendered":"<p><span style=\"font-weight: 400\">If you are married and <\/span><span style=\"font-weight: 400\">you and your partner have educational debt<\/span><span style=\"font-weight: 400\">, you may want to consolidate <a href=\"https:\/\/oxfordwisefinance.com\/blog\/when-do-student-loans-program-up-on-your-credit-report\/\">student loans<\/a> with your spouse. But, before you move forward, you need to know the rules for when you can do this and consider the pros and cons.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This guide will explain when you can combine student loans with your spouse and offer insight into some key considerations about making this financial move.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Can you consolidate student loans with your spouse?<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Answering the question of whether spouses can combine <a href=\"https:\/\/oxfordwisefinance.com\/blog\/when-do-student-loans-program-up-on-your-credit-report\/\">student loans<\/a> can be complicated. It depends on your educational debt and the process you want to use to combine the loans.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The Department of Education allows the consolidation of federal student loans without losing federal aid benefits such as flexible repayment schedules. Unfortunately, <\/span><span style=\"font-weight: 400\">joint consolidation loans were eliminated by Congress in 2005<\/span><span style=\"font-weight: 400\">. If you are interested in federal debt consolidation, you cannot consolidate student loans with your spouse.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">How to combine student loans with spouse<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Although you cannot combine student <a href=\"https:\/\/oxfordwisefinance.com\/blog\/is-a-home-equity-loan-the-best-loan-for-debt-consolidation\/\">loans with your spouse using the Department of Education\u2019s debt consolidation<\/a> process, it is still possible to combine multiple student loans from each partner. You will just <a href=\"https:\/\/oxfordwisefinance.com\/blog\/indiana-loans-what-you-need-to-know\/\">need to use a private student loan<\/a> lender to do it.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Private student loan lenders can <\/span><span style=\"font-weight: 400\">refinance both federal and private loans<\/span><span style=\"font-weight: 400\">. Many lenders allow you to combine your debts with your spouse. You can take out a large refinance <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-happens-if-you-dont-pay-off-a-payday-loan\/\">loan to pay<\/a> off both of your existing student loans. You may qualify for a refinance loan at a lower rate.<\/span><\/p>\n<p><span style=\"font-weight: 400\">However, remember that private student loans are different from federal student loans. If you refinance federal loans with a private lender, you lose access to many benefits, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Public Service <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-does-president-bidens-trainee-loan-forgiveness-statement-mean-for-customers\/\">Loan Forgiveness<\/a><\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Income-driven payment plans<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Generous deferment and forbearance options<\/span><span style=\"font-weight: 400\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The ability to change your payment plan as needed.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Most people do not, and should not, refinance <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-a-trainee-loan-without-your-moms-and-dads\/\">federal loans<\/a> because of this.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This means that the answer to the question, can spouses combine student loans, is that you technically can but should likely do this <\/span><i><span style=\"font-weight: 400\">only<\/span><\/i><span style=\"font-weight: 400\"> with your existing private loans. If you have federal student loan debt, consolidating your loans with your spouse likely isn\u2019t a good option. If you refinance student loans that are already private, you don\u2019t lose any important benefits since you were already <a href=\"https:\/\/oxfordwisefinance.com\/blog\/direct-lenders-what-are-they-and-how-do-they-work-2\/\">working with a private lender<\/a> anyway.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Why you might want to combine student loans with your spouse<\/span><\/h2>\n<p><span style=\"font-weight: 400\">There are many reasons why you might potentially want to consolidate <a href=\"https:\/\/oxfordwisefinance.com\/blog\/whats-forbearance-on-a-student-loan\/\">student loans<\/a> with your spouse. Here are some possible reasons:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>To simplify repayment: <\/b><span style=\"font-weight: 400\">It can be easier to repay your student loan debt if you have just one monthly payment to make instead of many. And you don\u2019t have to decide which debt to prioritize.<\/span><\/li>\n<\/ul>\n<ul>\n<li><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/personal-loans-with-a-cosigner-what-are-they-the-pros-and-cons-and-how-to-apply\/\">To reduce your rate: <\/a><\/b><span style=\"font-weight: 400\">Refinancing could potentially lower the rate you are each paying on <a href=\"https:\/\/oxfordwisefinance.com\/\">private loans<\/a>. If one of you has better credit than the other, combining your <a href=\"https:\/\/oxfordwisefinance.com\/blog\/refinancing-payday-loans-in-riverside\/\">loans could also help to make sure you both get the lowest possible interest rate on your refinanced<\/a> debt.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li><b>To better work towards joint financial goals: <\/b><span style=\"font-weight: 400\">When you combine student loans with your spouse, there\u2019s no longer separate debt. You have one joint goal you\u2019re working towards.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">You may also have other reasons of your own. The important <a href=\"https:\/\/oxfordwisefinance.com\/blog\/consolidated-payday-loans-things-to-consider\/\">thing is to go into the process with both eyes open and not just ask if <\/span><i><span style=\"font-weight: 400\">you can<\/span><\/i><span style=\"font-weight: 400\"> consolidate student loans<\/a> with your spouse, but also <\/span><i><span style=\"font-weight: 400\">should you<\/span><\/i><span style=\"font-weight: 400\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Pros and cons of combining your student loans with your spouse<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Before you move forward with combining your student loans with your spouses, be sure to consider these pros and cons.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400\">Advantages of combining student loans with spouse<\/span><\/h3>\n<p><span style=\"font-weight: 400\">The biggest benefits of combining student loans with your spouse include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Potentially reducing borrowing costs if you can <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-qualify-for-an-unsecured-loan\/\">qualify for a lower rate with a joint refinance loan<\/a><\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Helping out a spouse with lower credit to be able to qualify for refinancing<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Simplifying the payoff process since you have one <a href=\"https:\/\/oxfordwisefinance.com\/blog\/5-tips-for-paying-back-a-personal-loan-early\/\">loan instead of multiple loans to pay back<\/a><\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Getting on the same page with joint financial goals<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Potentially paying off debt faster due to the lower rate and your joint efforts<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400\">Disadvantages of combining student loans with spouse<\/span><\/h3>\n<p><span style=\"font-weight: 400\">And the biggest disadvantages of combining your student loans with your spouse are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You could lose federal borrower benefits if you refinance federal loans to combine them with your spouse<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">You become jointly responsible for your partner\u2019s debt<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Divorce could become more difficult and messier if you combine student loan<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">If you have considered these disadvantages and are still ready to move forward, be sure you do your research to find the right lender.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Find the Right Lender<\/span><\/h2>\n<p><span style=\"font-weight: 400\">When you look into which private loan refinancing company to work with, ask if spouses can combine student loans with that particular lender.\u00a0 And you may wish to compare joint and individual loan rates to see which type of refinancing plan could help you save the most money.<\/span><\/p>\n<p><span style=\"font-weight: 400\">By researching loan options and <a href=\"https:\/\/oxfordwisefinance.com\/payday-loans-direct-lender\/\">finding the right lender<\/a> to work with, you can ensure your student loan consolidation process goes smoothly and is the best financial move for you.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2>Frequently Asked Questions<\/h2>\n<h3 id=\"\">What is the maximum amount you can pay back on your payday loan?<\/h3>\n<p>To ensure that you have enough <a href=\"https:\/\/oxfordwisefinance.com\/blog\/speedy-cash-topeka-ks-what-you-need-to-know\/\">cash in case you ever need<\/a> it, you should always have an emergency fund. It shouldn&#8217;t matter if you have a strict budget and are careful with where you spend your money.<\/p>\n<p>&nbsp;<\/p>\n<h3 id=\"\">Is it possible to get a loan if you have a low credit score?<\/h3>\n<p>It all depends upon the type of <a href=\"https:\/\/oxfordwisefinance.com\/blog\/delaware-payday-loans-what-you-need-to-know\/\">loan that you need<\/a>. If you are looking for an unsecured <a href=\"https:\/\/oxfordwisefinance.com\/blog\/is-a-personal-loan-a-good-idea\/\">personal loan<\/a>, you can still apply. A secured <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-is-a-medical-loan-all-the-details-you-required-to-know-prior-to-applying\/\">loan is one that you can apply<\/a> for such as a loan to improve your home or finance your car.<\/p>\n<p>You can <a href=\"https:\/\/oxfordwisefinance.com\/blog\/improve-your-credit-score-with-a-credit-builder-loan\/\">improve your credit<\/a> rating by paying off any debts on time. Your <a href=\"https:\/\/oxfordwisefinance.com\/blog\/improve-your-credit-score-with-a-credit-builder-loan\/\">credit rating will improve<\/a> if you pay more on your monthly repayments.<\/p>\n<p>&nbsp;<\/p>\n<h3 id=\"\">What loans can a person with bad credit get?<\/h3>\n<p>Many people have been turned away from getting a mortgage because they don&#8217;t have a perfect <a href=\"https:\/\/oxfordwisefinance.com\/blog\/applying-for-a-no-credit-history-loan\/\">credit history<\/a>. If you&#8217;re willing to lend a mortgage to someone with poor credit, there are many options to help them become homeowners.<\/p>\n<p>A <a href=\"https:\/\/oxfordwisefinance.com\/blog\/why-should-i-get-a-personal-loan\/\">person may qualify for a low-interest rate loan<\/a> based on his\/her income and other factors. People with poor credit records can often find a way to pay off their debts at affordable rates using various adjustable-rate mortgages (ARMs).<\/p>\n<p>Programs like the USDA Rural Development Loan Program provide loans for residents outside of urban areas. These loans are made available to rural areas with limited market access. The program offers long-term fixed rates of interest between 3% and 6 percent.<\/p>\n<p>Specialized commercial lending companies specialize in lending low-income borrowers loans. These companies partner with community development organizations and local banks. Many of these companies do not charge any fees or have very low overheads.<\/p>\n<p>&nbsp;<\/p>\n<h3 id=\"\">How can I borrow money fast?<\/h3>\n<p>We are an <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-find-the-online-loan-best-for-you\/\">online loan<\/a> company that helps customers get loans for any reason. We offer short-term as well as long-term <a href=\"https:\/\/oxfordwisefinance.com\/blog\/low-earnings-loans-things-to-know-and-how-to-get-a-loan-with-low-income\/\">loans at very low<\/a> interest rates.<\/p>\n<p>Since 2010, we have been serving this community and have earned our reputation as an honest lender.<\/p>\n<p>We ensure you get the right loan for you.<\/p>\n<p>&nbsp;<\/p>\n<h3 id=\"\">How are payday loan interest rates calculated?<\/h3>\n<p>When customers have poor <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-is-credit-history-all-the-information-you-need\/\">credit and need<\/a> quick cash, payday loans can be used to provide short-term credit.<\/p>\n<p>These loans usually have interest rates between 300% &#8211; 1000%.<\/p>\n<p>Interest rates on <a href=\"https:\/\/oxfordwisefinance.com\/blog\/the-truth-about-payday-loans-in-california\/\">payday loan<\/a> are usually based on the borrower\u2019s credit score as well as their repayment capacity.<\/p>\n<p>Higher credit scores mean lower interest rates.<\/p>\n<p>If your monthly income is below $1,000, it&#8217;s best to avoid borrowing money.<\/p>\n<p>If your monthly income is below this level, you might consider other financing options, such as <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-is-a-personal-loan\/\">personal loans<\/a>.<\/p>\n<p>If you earn more than $1,000 per month, looking into other options like credit cards, bank accounts, and auto loans is better.<\/p>\n<p>&nbsp;<\/p>\n<h3 id=\"\">What if I don&#8217;t have a credit check?<\/h3>\n<p>The answer to this question is yes! Here are 6 ways that you can get online <a href=\"https:\/\/oxfordwisefinance.com\/blog\/will-my-credit-rating-decrease-if-i-obtain-a-loan\/\">loans without credit<\/a> checks:<\/p>\n<ol>\n<li>CashNetUSA.com &#8211; Apply online for a <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-south-carolina-how-to-avoid-common-mistakes\/\">payday loan<\/a> \u2013 No Faxing, Waiting, and No Hassle. Simply approve and pay.<\/li>\n<li>LendingClub.com offers an <a href=\"https:\/\/oxfordwisefinance.com\/blog\/making-an-application-for-a-loan-online-vs-in-person-whats-the-best-and-trustworthy-option\/\">online personal loan<\/a>. Interest rates as low at 1%, no <a href=\"https:\/\/oxfordwisefinance.com\/blog\/possible-finance-bad-credit-loans-with-no-prepayment-penalties\/\">credit checks and bad<\/a> credit OK.<\/li>\n<li>Prosper.com offers an <a href=\"https:\/\/oxfordwisefinance.com\/blog\/easy-online-loans-the-complete-guide\/\">online installment loan<\/a> at 0% Intro APR for purchases and balance transfers within 60 days.<\/li>\n<li>AutoTitleLoans.net allows you to <a href=\"https:\/\/oxfordwisefinance.com\/blog\/things-to-consider-before-applying-for-a-title-for-loans\/\">apply online for a auto title loan<\/a> &#8211; get approved in less than 24 hours. Receive <a href=\"https:\/\/oxfordwisefinance.com\/blog\/money-tree-hours-of-operation\/\">money within 2 hours<\/a>.<\/li>\n<li>LendUp.com enables quick cash transfers into your account.<\/li>\n<li>BizLineLoan.com offers an online credit line for businesses. We offer over $100 million in financing options.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h2>Statistics<\/h2>\n<ul>\n<li>A typical two-week <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-south-carolina-what-you-need-to-know\/\">payday loan<\/a> with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400 percent. (<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-payday-loan-en-1567\/\" rel=\"nofollow\">consumerfinance.gov<\/a>)<\/li>\n<li>For example, CashUSA&#8217;s <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-are-reno-payday-loans\/\">payday loan<\/a> APRs range from 5.99% to 35.99%, placing them well within the averages for most major lines of credit, including credit cards and bank loans. (<a href=\"https:\/\/www.timesunion.com\/marketplace\/article\/best-online-payday-loans-16746822.php\" rel=\"nofollow\">timesunion.com<\/a>)<\/li>\n<li>In California, for example, a payday lender can charge a 14-day APR of 460% for a $100 loan.6 Finance charges on these loans also are a significant factor to consider, as the average fee is $15 per $100 loan.1 (<a href=\"https:\/\/www.investopedia.com\/terms\/p\/payday-loans.asp\" rel=\"nofollow\">investopedia.com<\/a>)<\/li>\n<li>Those protections include a cap of 36 percent on the Military Annual Percentage Rate (MAPR) and other limitations on what lenders can charge for <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-washington-what-you-should-know\/\">payday and other consumer loans<\/a>. (<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-payday-loan-en-1567\/\" rel=\"nofollow\">consumerfinance.gov<\/a>)<\/li>\n<li>By comparison, APRs on credit cards can range from about 12 percent to about 30 percent. (<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-payday-loan-en-1567\/\" rel=\"nofollow\">consumerfinance.gov<\/a>)<\/li>\n<\/ul>\n<h2>External Links<\/h2>\n<h3><a href=\"https:\/\/ncsl.org \" rel=\"nofollow\">ncsl.org<br \/>\n<\/a><\/h3>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li><a href=\"http:\/\/www.ncsl.org\/research\/financial-services-and-commerce\/payday-lending-state-statutes.aspx\" rel=\"nofollow\">Payday Lending State Statutes<br \/>\n<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><a href=\"https:\/\/sfgate.com \" rel=\"nofollow\">sfgate.com<br \/>\n<\/a><\/h3>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li><a href=\"https:\/\/www.sfgate.com\/market\/article\/best-bad-credit-loans-16667013.php\" rel=\"nofollow\">Bad Credit Loans: 5 Best Lenders for People With Poor Credit<br \/>\n<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li><a href=\"https:\/\/www.sfgate.com\/market\/article\/best-payday-loans-online-16569581.php\" rel=\"nofollow\">The Top 4 Same-Day Loan Lenders for Cash Advances Online<br \/>\n<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 id=\"section-how\">How To<\/h2>\n<h3 id=\"section-how-item-1\">Why do we require installment loans?<\/h3>\n<p>Installment loans, which are <a class=\"wpil_keyword_link\" href=\"https:\/\/oxfordwisefinance.com\/short-term-loans-online\/\" title=\"short-term loans\" data-wpil-keyword-link=\"linked\">short-term loans<\/a>, require a minimum monthly payment. They can last up to one-year and have flexible repayment options. This is very convenient as it allows you to repay the loan whenever you wish and has the ability to have the money at your disposal.<\/p>\n<p>Most people who apply for these <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-a-cash-loan-online\/\">loans are looking to make some quick cash<\/a> and don&#8217;t care too much about their credit score. If you are unable to qualify for traditional bank financing, then an <a href=\"https:\/\/oxfordwisefinance.com\/blog\/7-benefits-of-an-installation-loan-2\/\">installment loan<\/a> may be an option.<\/p>\n<p>Before <a href=\"https:\/\/oxfordwisefinance.com\/blog\/applying-for-payday-loans-in-orange-ca\/\">applying for an instalment loan<\/a>, be sure to consider how much you are willing to borrow. You need enough capital to cover the cost of interest and fees, plus another month&#8217;s worth of payments.<\/p>\n<p>If you are <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-approved\/\">approved to an installment loan<\/a>, your funds will be sent within 24 hours. The application fee for an installment loan is typically $40. This service is usually charged by most lenders, so make sure to shop around until your find the best deal.<\/p>\n<p><a href=\"https:\/\/oxfordwisefinance.com\/installment-loans\/\">Installment loans<\/a> are a great option if it&#8217;s difficult to pay your monthly bills on time. This type <a href=\"https:\/\/oxfordwisefinance.com\/blog\/paycheck-advances-credit-builder-loans-and-overdraft-protection\/\">loan is for people who have poor credit<\/a> scores and face financial hardship.<\/p>\n<p>An installment <a href=\"https:\/\/oxfordwisefinance.com\/blog\/ace-loans-online-is-ace-cash-express-the-right-lender-for-you\/\">loan is an option for those who have been rejected by traditional lenders<\/a> and lack collateral. Your income, employment history as well your assets and debts are all factors that will be looked at by your lender. If you show them that you have the ability to repay the loan, they will approve you for a smaller amount than what you owe. You won&#8217;t be in a position to repay your entire debt instantly. Instead, each month you&#8217;ll pay off a part of your total debt.<\/p>\n<p><a href=\"https:\/\/oxfordwisefinance.com\/blog\/speedy-cash-installment-loans\/\">Installment loans<\/a> require that you repay the entire loan amount in full before any refunds can be granted. However, most lenders only offer grace periods during which you can delay making payments without incurring late charges.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are married and you and your partner have educational debt, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":266,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","iawp_total_views":2,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[142,148],"tags":[],"class_list":["post-262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-business","category-student-loans","col-md-12"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can Spouses Combine Student Loans? - Blog - Oxford Wise Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oxfordwisefinance.com\/blog\/can-spouses-combine-student-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can Spouses Combine Student Loans? 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