Legal analysis: No. A romantic relationship is not a legal marriage relationship. In a marriage relationship, the debts incurred by one spouse using a loan must be borne jointly by both spouses.

Legal basis: Article 1064 of the "People's Liberation Army and Civil Code of the People's Republic of China" Debts, as well as debts borne by one spouse in his own name for the daily needs of the family during the marriage, are joint debts of the couple. Debts borne by one spouse in his or her own name beyond the daily needs of the family during the marriage are not joint debts of the couple; however, the creditor can prove that the debts are used for the couple's daily life and production. Exceptions are made for business operations or based on the consent of both spouses.