Credit card debt, primarily, but no college loans. I had some student loans even though I had scholarships as well, but I did not owe that much and I had already paid them off by the time we got married. He has a Ph. D. in Mathematics and there is not as large a market for mathematicians as you might think. He wanted to be a college professor, but there were no jobs available for him. He applied to lots of universities, but they all hired other candidates.