From legal standpoint if you are living in a community property state then you own half of what your spouse owns, and vise versa. But from another perspective regardless of the state and/or local laws, etc. you are becoming one with your spouse when you get married so this should not even be a question. "For this reason a man will leave his father and mother and be united to his wife, and the two will become one flesh." (Ephesians 5:31)
You should consult with a local attorney. In some states, you could be liable. For example, in NM, which is a community property state, wages and salaries are community property, and each spouse owns one-half of the other's wages and salaries. After the creditor has attempted to collect from the debtor spouse's sole and separate property and the debt remains unsatisfied, the creditor can try to collect from the debtor spouse's portion of community property. So , in NM, the creditor, after jumping through some hoops, would be able to serve a garnishment on YOUR employer and garnish one-half of the wages paid to you, which represent your spouse's community property interest. Proceed with great caution in marrying a person with lots of debt. I'd recommend that each of you pull your credit reports and show to the other prior to tying the knot.
Unless you are a co-signer or joint borrower on the loans, then you should have no responsibility for them and they should not show up on your credit report.
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