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  • 13
    No, honoring legally and morally binding commitments that you have made is by definition not irresponsible. It may be painful, or impossible, but that is a different matter.
    – keshlam
    Commented Jul 22, 2015 at 6:42
  • 20
    It sounds like you are living way beyond your means even without this debt. You also seem to be in denial about this.
    – Eric
    Commented Jul 22, 2015 at 11:11
  • 7
    My only hope is that you are seeking some sort of advice, but holy cow do you need some help.
    – Pete B.
    Commented Jul 22, 2015 at 12:45
  • 1
    @Andy Could you provide some numbers so that we can help, such as the total amount of the student loan, household income, your income, household total debt, and number of kids. Without these details, it's hard to offer suggestions and we're all just guessing about your situation.
    – user541852587
    Commented Jul 22, 2015 at 13:40
  • 6
    Your wife spent $135,000 to get a degree that she doesn't even use? That is a really expensive degree going to waste, and that needs to change. Even if you walk away from the $135K, you still have plenty of other debt and no savings. It's not realistic for her to stay home in your situation. She needs to get a job.
    – Mohair
    Commented Jul 22, 2015 at 16:20