A debt consulting service, that is what I was thinking of.

My sister paid off her husbands student loans as well as hers. Her H has never learned to accept responsibility for any past debts or current debts. She has said so many times she wished she would have let him pay on his own loans and the feel the gratification that comes along w/ successfully paying that off and getting to see what life is like w/ that money to spare.

Because she paid his loans, he never learned to be responsible. He has bought a new car only to decide a few months later he didn't like it and traded it in for another. It has been terrible for there relationship. If he could have only learned to pay his debt. He put all of his schooling, meals, gas everything on a credit card. So it was not exactly school loans, it was but on a credit card. 4 years of gas, meals, books and tuition add up.

Just sayin, it may not be that way for you guys. I hope not.