Legal analysis: the husband borrows usury privately. If the husband and wife are in debt, the wife needs to pay it back. If the husband and wife are in the same person's debt, the wife does not need to pay it back. At the same time, the husband's private usury is a debt arising from illegal and criminal activities such as gambling and drug abuse, and the wife does not need to repay it.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.