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AIO Just found out my husband has a 76K loan out and his son is the co borrower.
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It’s amazing how some families treat financial ruin like a group project. The saintly father insists on protecting his grown child from consequences, while the responsible spouse slowly morphs into the family accountant and villain. There’s loyalty, and then there’s subsidizing dysfunction with compound interest.
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The wife’s frustration is the kind that doesn’t lead to yelling but to packing. When your marriage comes with hidden loans and unpaid tolls to New York, at some point the only thing left to refinance is your peace.
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‘I am livid, I'm truly ready to pack my stuff and leave’: Woman discovers her husband secretly co-signed a $76K loan for his freeloading, reckless 37-year-old son who lives rent-free and never pays him back
This husband decided to spend his golden years paying off loans he didn't even take. His 37-year-old son, a man whose resume includes theft, DUIs, and emotional terrorism, has been treating his father's credit like an open bar. Cars, furniture, a $5,000 credit card, all under Daddy Dearest's name. The father co-signed the $76,000 loan, and the son repaid him in dishonor and DoorDash receipts. Some men retire with hobbies, others retire with terrible financial decisions.
The wife, meanwhile, is left holding a collapsing house, a loan against her 401k, and the dawning realization that her husband has been gaslighting her with the confidence of a man who thinks joint finances mean "joint confusion." Every attempt to talk about it turns into deflection, denial, or an emotional trapeze act. The stepson's freeloading is old news, but watching it backed by actual debt is the kind of betrayal Excel sheets were invented to process.
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