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foreign Cohen the student loan lawyer Id like to welcome you to todays video where were going to talk about spousal consolidation loans and the Public service loan forgiveness waiver now today is October 19th so were on a little bit of a race October 19 2022 the Public service loan forgiveness waiver ends on Halloween October 31st 2022. weve got 12 days so buckle up theres going to be a ride now first lets talk about joint or spousal consolidation loans these were around until 2006 and the idea was as folks get married and they intermingle their finances they can consolidate their loans together and pay them together which is great until divorce maybe um if a couple gets divorced a state court has no jurisdiction to reassign the Adept the debt is either through the Department of Education or through someone else its still a federal debt and a state court doesnt have the jurisdiction to say assign it to the ex-husband only or the ex-wife only the divorce decree might say ex-hu