Does she know about this debt or is it hidden from her? Are you guys married? Im assuming even if you arent you’re living together you guys are practically married even if not legally married because of the child. If she doesnt know she should know about your debt you should tell her even if you guys keep separate accounts. Hiding debt isnt good. It doesnt matter if she’s making 10% RIO on the market when you’re paying back 20%. Overall together you’re both losing money. For rich and for poor, all that stuff.