What happens after marriage?

Federal loans....No they wont go after him ...directly. However once married you both will be disqualified from FHA/VA mortgages and FEMA benefits. They will seize his tax return but he can get it returned by filing injured spouse.

Private loans....he wont be affected unless they sue you and then start garnishing your wages.

Are you going anything about these??? Are they federal or private?

these were not private all federal and it's a bit complicated. I was making payments and to the best of my knowledge it was in the amount of $20k. Then out of the blue I got a call from a completely different company that told me I needed to start making payments to them too.

They said that I had gone to a different school and wracked up $30k at that school. I told them I never went to that school, I had applied, but I dropped out before the first day of classes. The school took out loans in my name for that semester and the following semester and the school kept the money even though I was not a student and never attended. I told them there was no way that can even be legal. They said the school can take out all the loans they want and i'm legally responsible for paying for them.

Now that I'm engaged it's alot more to think about . . .

Yup, it was legal. Actually if you signed the prom notes and then enrolled, the school did nothing wrong. If you did not officially withdraw from the school, they can charge you for the whole semester or period of enrollment the loan.

So how much are they saying you owe for this school?
Total debt?
Is it all in default or some defaulted, some current?

I don't know what I'm going to do about it. I might have to break up with him if it's something that can effect him.

You can get them out of default quite easy either by doing a rehab or consolidation thru the Direct Loan program. All is not a lost cause. Please answer the questions so I can give you better direction.

My question was about how a defaulted student loan would effect my bf should we get married. I'm not sure why you are asking questions that do not pertain to that.

Well, your student loan debt aint going to go away....no SOL, no BK..they will go as far as garnishing your wages and SS without a court order. Plus if you ever decided to have kids, your defaults wil end up affecting them too in terms of FEMA benefits or if they need help themselves with going to school.

Figured you might like the least painful option to resolving the situation. Knowing your balance helps to direct you.

Guest, I don't mean to butt into your business. But please, listen to Soaplady. She's our resident SL expert, and she's good. Having access to additional information quite often allows us to find solutions that might otherwise have been missed.

I can understand the part about not fully withdrawing, but if she never registered for classes, or dropped out before the first day, she should have been entitled to a 100% refund and if I'm not mistaken, would lose her finanacial aid which would get sent back to the government.

Or am I way wrong about this?

Depends on the school or program. Some you are just automatically registered for your classes and you must actually withdrawal by the schools timetable to be eligible for any refund. A university would have sent the aid back had no classes been registered for but a trade school would not because your classes are automatically assigned.