Legal analysis: specific analysis of specific circumstances. If the loan is used for the life, production and operation of both husband and wife, it can be considered that the husband and wife are in the same debt, and you also need to bear the repayment obligation. If the other party is not used for husband and wife's life, production and operation, but for personal unreasonable expenses, such as debts incurred by gambling, drug abuse and alcoholism, debts incurred by people without maintenance obligations, or debts incurred by raising funds for production and operation activities alone, the income is not used for debts incurred by people living together, or illegal and criminal acts or torts are committed, in principle, it will not be liable for repayment.

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

Article 1076 If a husband and wife divorce voluntarily, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office.

The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.

Article 1079 If one of the spouses requests a divorce, the relevant organization may mediate or directly file a divorce lawsuit with the people's court.

When trying divorce cases, the people's court shall conduct mediation; If the relationship has indeed broken down and mediation is ineffective, divorce should be granted.

In any of the following circumstances, if mediation fails, divorce shall be granted:

(a) bigamy or cohabitation with others;

(2) committing domestic violence or abusing or abandoning family members;

(three) gambling, drug abuse and other bad habits;

(four) separated for two years due to emotional discord;

(5) Other circumstances that lead to the breakdown of the marriage relationship.

If one party is declared missing and the other party files a divorce lawsuit, the divorce shall be granted.

After the people's court ruled that divorce is not allowed, if the two parties have separated for one year and one party files a divorce lawsuit again, divorce shall be granted.