It appears that no one wants to be in a relationship with debt. Many of the respondents in the National Foundation for Credit Counseling (NFFC) monthly poll, of which Apprisen is a member, indicated that they have reservations in regards to taking on debt of their loved ones. The reservations are to the point of ending the relationship. The NFFC poll results below show the participants view regarding taking on debt of loved ones.


The NFFC January poll question and results are as follows:

A. 37% will not marry until the debt was paid

B .46% will marry and pay it off together

C. 10% will marry but not help pay the debt

D. 7% will end the relationship


Considering all negativity coming from debt, some people may not realize that issues can go beyond credit scores or interest rates. “It appears that debt overrides love, at least temporarily, when deciding to move forward in a relationship, its money over marriage,” said Jana Castanon, spokesperson for Apprisen.

Particularly, young adults who emerge from college with thousands of dollars in student loans debt are the ones who give second thoughts about continuing a relationship. If two millennial with similar debt obligations marry then they will have a debt load. Nearly all divorces in America are caused by existing debt issues, in my line of business I’ve learned that its about communication vs. debt issues. Mentioning this brings to no surprise that people are more reluctant to start their relationship on the wrong financial foot.

Debt impacts your credit report and credit scores severely. It impacts it to the point where it affects the basic essentials needed when building a life together. It may become difficult to buy or rent a home, purchase a car, insurance, or even apply for a job.


Couples should be aware and know the difference in how credit reports and scores are counted for individuals and they are not rated as a couple. Matrimony brings two people together, but their credit remains separate. Accounts however, can be opened jointly as a co-applicant. People mainly apply jointly when making a large purchase which requires two sources of income to support the loan. Specifically in this case if one person has a low credit rating it may affect the approval or when extending credit the interest rates may be higher. Furthermore, the benefit of having a person with good credit is that it may improve your own. Adding a person to an account as an authorized user permits the reporting to appear in both the primary and the authorized user name. When credit is handled responsibly it will positively impact on both credit reports.

Who said love and money were separate? In a marriage, financial decisions are being made on a daily basis. It is the reason why it is important that couples communicate openly about their finances. Both should be willing to share sources of income, debt obligations, credit reports, and credit scoring information. Discussions are needed to know personal preferences for spending and saving. Financial baggage may be heavy, but settling differences will enable couples to spend the rest of their life in happiness.





Are you dating your money? Are you dating your credit report? Are you setting aside time to develop your financial future?

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It’s important that you date yourself and date your money, setting time aside to understand your credit will make a world of a difference.

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