Spousal Consolidation student loans were offered until 2009 - when Congress finally realized this is actually a terrible idea. As of today, there are less than 1,000 spousal student loan consolidation victims left.

I’m going to briefly outline what spousal student loan consolidation is, why you might want to do it, why you might want to avoid it, and ways to change it if you have this kind of loan.

Note: The federal government ended the spousal loan consolidation program. In September 2022, Congress passed legislation to allow couples to separate their spousal consolidation loans, and President Biden signed it.

In October 2024, the application process for separating spousal consolidation loans was finally released.