Hi, I am graduating in a couple of months from medical school and am getting married to another medical student. I had a couple of questions for people that are a bit smarter than I am about financial aid. 1. Economic hardship deferment- I only have about 50k in stafford/some unsubsidized stafford while my fiance has about 150k stafford/unsubsidized stafford. It seems then that she will qualify for hardship during residency while I won't just based on loan amount. So...is there a way of putting our two loan amounts together and having us both qualify for hardship? If we end up doing this what impact will this have on our credit in the future for buying a house? Is it considered that we each have around 100k debt or that we are each listed as having 200k debt. 2. Can we consolidate our debt together or does it make more sense to consolidate seperately. I guess this has something to do with question1. Sorry I am an idiot about this and I appreciate any help that people can give.