1. If the loan is used to treat the mother-in-law's serious illness, after the divorce, the loan should be shared by the daughter-in-law and the husband. Because this loan is to treat her mother-in-law with a serious illness, it belongs to the joint debt of husband and wife. If the daughter-in-law resigns to take care of her mother-in-law, then the husband will have to bear more family responsibilities and financial support.

If the loan is used for other purposes, such as buying a house and a car, it is necessary to decide who will bear the debt according to the specific situation. The loan was obtained during the marriage, so after divorce, the debt should be shared according to the division of husband and wife's property and the proportion of debt.