Am I responsible for my spouses student loans?

Typically you would not be responsible for his student loans unless you were listed as a co-singer of them. As he took them out before you two had met, I would assume you would not be responsible, but it’s always best to double check the loan agreements. It’s not a bad idea to contact a local trustee and bring in the loan documents to review them together. Our office sees many loan agreements on a regular basis, so we’re familiar with that to look for and what all the legal jargon really means. In terms of the statement of income, sometimes lenders will request this in order to have relevant information when they negotiate a repayment plan. When considering the repayment plan with your husband, they would likely take all household income into consideration to get a good idea of his ability to pay.