that debt load would probably fall on you, taxes and all. Sometimes the spouse can also get a good portion of your retirement, don’t know his income but if you have no debt and he has lots if everything went ugly you could wind up paying him. If you have a decent relationship now you might want at least a legal separation at this time even with the possibility of some day being together again. You could see how the financial split would be now instead of after an inheritance happens. Seems like if you are just living apart, he would have to be on board with a mortgage or they would at least factor in his poor credit if you are still a couple even as your sole property.