Legal analysis: If I don't repay the loan, my spouse needs to help me repay it together. Debts jointly signed by husband and wife or ratified by one of them afterwards, as well as debts incurred by one of them in his own name for the daily needs of the family during the marriage relationship, belong to the joint debts of husband and wife. The joint debt of husband and wife refers to the debt incurred to meet the needs of husband and wife's common life. The joint debt of husband and wife is mainly based on the needs of husband and wife's common life and the debt arising from the management, use, income and disposal of common property. Unless one spouse borrows money, the creditor and the debtor clearly agree that the debt is a personal debt of one spouse, for example, it is clearly agreed in the debit note that it is a personal debt.

Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC)? Debts jointly signed by husband and wife or ratified by one party afterwards, as well as debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the joint 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 are not joint debts of the husband and wife; However, the creditor can prove that the debt is used for the husband and wife's common life, joint production and operation, or based on the common meaning of both husband and wife.