Legal analysis: First of all, it should be judged whether the husband and wife are in the same debt. If the loan is made in her own name and it is not used for the husband and wife to live together, it belongs to her personal debt.

legal basis: according to article 164 of the civil code of the people's Republic of China, the debts incurred by both husband and wife * * * with the same signature or the latter's ratification by one of them afterwards, and the debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship belong to the same debts of husband and wife. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family do not belong to the same debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.