Today, my boyfriend of two years asked me to marry him so that we can consolidate our student loans. FML

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"No."

It's that simple.

I hope you're not considering it.

i'm sure that's the only reason

Not gonna lie, I'd probably smack my guy if he said that... Just ouch. Not even CLOSE to a good reason to get married.

A lot of people marry for that..but DONT. Bad idea.

wow, FYboyfriend...that hurts :/

Make him your BITCH

That's so romantic!
I can imagine how that conversation went:
him: so i've been thinking about us ya know getting married.
you: yeah?!
him: yep that way we can consolidate our loans! Do you want to?
you: ... okay

You sure he wasn't just kidding around?
If not... then just wow, maybe your boyfriend will meet the same ending as Cal from that 1997 Titanic movie.

It's a good deal

#9 - I think you nailed it.

Just think about it, it'll be you, me, Grant, Benjamin, and Jackson

I'm resisting the urge to say something like 'hooray for the great economy we have nowadays'.
Yeah that sucks.

#8: wtf did you say? I have no clue why you type like that. If you talk that way its different but typing?!?!?
OP: don't worry about it. Just say no unless you actually want to marry him. If you want to marry him to ask in a more romantic way. Still, fyl cuz it always sucks to hear that

I'm with #1.

And won't that mean in a divorce, half his loans are yours? Eh.

agree w/ 15

Run.

Wow. Romance is completely dead, isn't it. :( F-your life indeed!

That's a crappy deal. I wouldn't buy it.
Meaning, say no and don't get married for something like that...

Give it up for the sanctity of marriage everyone
And explain to me again why gays can't get married when straight people can get married for whatever reason

Just say no.

Tell him to get his priorities straight.

Finally, a sensible reason to tie the knot.

You kids and your crazy euphemisms.

It makes sense, but...no. That's WRONG.

Why is this a FYL? Financial reasons are one of the best reasons to get married.

I mean, the legal framework is really the only difference between married and just seriously dating/ living together.

Agree with 24 and 27. As long as you care for him, what does it matter? People have gotten married for less, and stayed married for a long time. Your boyfriend may not be a romantic, but if you love each other, what's the difference?

Baha #15.

You should say no. But just out of curiosity you should ask him if that was the ONLY reason he asked to marry you, maybe the foundation of your relationship isn't what you think it is.

I would want to know how serious it really is.
good luck x

That is the most romantic thing I have ever heard. *sheds a tear*

bad idea... RUN RUN AWAY!!

And your point is?

Marriage is a joke, stuff like this is the only reason to get married anymore.

i would guess he was either a) kidding entirely or b) actually meant his proposal but disguised it in a joke so as not to risk full rejection.

i really really doubt he would honestly want to marry you for only that reason.

LOL 25 & 30

get a civil union

why can't I find a guy that romantic?

A kid I know actually did this. He didn't know the girl. Such a dumb ass.

Consolidate your loans with someone you really love. ;)

Awww... that's the sweetest thing I ever heard. He wants to take on a financial goal with you.

sooo...when's the honeymoon?

Go for it!

I hope you kicked him hard. :P

If you even considered it, you would be very dumb and certainly messing up your life.

Yeah seriously, if that bothers you, you should probably reassess your relationship (and your own priorities)

If a man wants to marry you to help secure your financial future, that shows a lot more character than a man who wants to marry you out of some ass backwards heroism because you got knocked up. I think you need to realize that he obviously loves you, and could very well be using it as an excuse to do something he might not think you otherwise would want to. That's sweet, and marraige for love and security is hardly something to sneer at, let alone complain about for everyone to see.

I hope he dumps your ass. Stop being shallow.

Tell him to find a better reason.

I can understand if you wanted him to propose in a more romantic way, seeing as he's your boyfriend, and that his wording may have made it seem like he only wanted to get married for the financial benefits, thus cuasing you to question your relationship.

But that's the only reason I clicked FYL. Really, it's a sound reason to get married in this day and age, with this economy. However, even if he does love you, if you rush into a marriage just to consolidate your student loans, I'd suggest getting a prenup. That way, if it ends in divorce, you won't get financially screwed that way.

Also, here, here, #21! "Sanctity of marriage" my ass. I don't understand why gay marriage can't just be legal already.

I agree with #44
and what kind of an idiot would say that>

#8 deserve a punch in the face for typing like that.

And numbers 45 and 43, it's just an FML. No need to get all deep about it.

Marriage isn't as sacred as it used to be.

Shallow on his part, I hope you make a good decision.

Make sure you run it by your financial adviser when you lovebirds start thinking about kids. Come on, things could be worse.

As long as he apologises and makes amends it's not the end of the world, I've made worse mistakes with my girlfriend and we're still together :)

#43--I'm thinking it's less that he wants to be a Mighty Man and "secure her financial future" than he wants to shore up his own shitty credit using hers and/or leave her stuck holding the bag. Big red flag.

How romantic!

hey, probably wouldn't have asked you if he didn't really love you.

awww, young love.

Sounds to me like his priorities are straight. If you have children down the line and they go off to college you should get divorced. The government gives out better loans for children of divorced parents.

What an ass! Although I've been dating someone for 3yrs and he hasn't even proposed for a bullshit reason like that!

AWWW thats awfullllllll, i hope to god your not giving him that benfit

I'm nearly positive he was joking, or didn't have the confidence to just ask you without having a dumb practical man reason.

I would have done the same thing, if I wasn't so good at pretending to be all romantic and girly like some guys are.

This comment has been moderated.

#60, whether they marry or not, the choice to watch is yours.
And btw, you're pathetic, lesbians wouldn't kiss to please your homophobic ass, but because they love each other.

21 you are my hero.

and 60... uhh, you don't have to watch. Who wants to watch any two people kissing, really?

Wow... I'd guess that his student loans are enormous and he has absolutely no hope of ever paying them off himself. He's probably trying to mooch off you. And #60, what is wrong with you, you intolerant homophobic little ass? I'm not gay, and I would hate watching two gay men making love as much as most others, but I understand and respect their right to their sexuality. That doesn't mean that I want to participate, but we don't have the right to stop them. #21 is entirely right (although I have a nagging suspicion that he got what he said from an episode of Family Guy). And being okay with lesbianism but not with male homosexuality bumps you up from intolerant prick to perverted hypocritical neanderthal. Grow up, or at least try to stop yourself from turning into a hateful, gay-bashing ignoramus.

if being open-minded is the only way, you've become close minded [@63].
anyway, I wouldn't take the loan thing personally.
he probably was going to ask, anyway, and just assumed this would be a more convenient time than any.

Hmmm... #64, I guess you're right to some extent. I've become closed-minded to closed-mindedness. Although, I don't really think that open-mindedness is the only morally correct way and I don't believe it should be applied to every situation and notion that arises. But can you say that I'm wrong in what I said?

what an awful reason to get married, are some of you dumb? If you consolidate loans with someone else's name on it, they are responsible for paying them off if you die. Whereas if your name is the only one on it, if you die, nobody is responsible for paying them, they just forgive the loans.

consolidation can still happen.
his and yours.
separately.

#21: Totally agree!!

#60: You're a moron.

If he's been with you for 2 years he obviously loves you!! And he's looking out for both of your financial futures, that's awesome. I'd say yes!!!

you've been with the guy for 2 years, so obviously there's more reasons why he wants to get married....he's just adding in an extra benefit for the marriage...

Don't do it.

maybe he's just shy

i hope you gave him a big fat "NO!"

I'd marry a guy for that reason. Look at it this way:

Being married has a financial upside than being single like the way you get taxed,all those wonderful child care credits and in the case of loan consolidation, it actually makes sense: one loan instead of two with the possibility of lowering the payback amount,monthly payment,deferment,etc.

Where is the FML here? I believe in practicality AND REALITY and besides AFTER you two get married "for love", YOU'D STILL DO IT because it's more beneficial financially.
You're just mad he asked for the consolidation BEFORE as opposed to professing his love for you and wanting to be with you forever which is what some women delude themselves into wanting...

I hope you said"yes." That's the fiscally responsible thing to do.

Yeah. Not such a good idea. If you want to marry him great. But I am a financial aid advisor at a university in miami. My recomendation is don't consolidate your loans with his. That'll ruin your credit in the event of a divorce. And student loans don't go away in bankruptcy. They wil go with you where ever. The government will get their money one way or the other.

They will garnish wages from your paycheck. No more income tax money. And if you ever wanted to further your education don't even think about applying for more aid if you've defaulted.

Good luck! I hope you make the right decision.

If it were me... Marriage yes... Loan consolidation? Only if they my loans ONLY. Again I say GOOD LUCK

say no, hun. it's a loveless marriage if you say yes.

Are you serious..?... So he got down on his knees and was like 'Baby will you marry me...so we can concolidate our student loans...."..... fucking DOUCHEBAG!!! If I were you I would have kneed him..

I absolutely love how the women who have commented on here have said some completely idiotic things, such as:

"It is a loveless marriage."
"Don't marry that douchebag/asshole/dick/etc."

And my most favorite one:

"If that were me, I would have punched/smacked/kneed him."

No, those quotes were not word for word; however, they were what I generally picked up from these comments full of ignorance. Really now? You women, you would hit your man for doing such a thing? Hilarious. A woman would hit their man, but if a man even had that thought in their mind to hit their woman, fucking hell and war would commence. You would not hit your man, you would look at him with a big fat stupid smile, if he asked you to marry him (no matter what the reason is), and you'd say yes (depending how much you love him).

Girls these days are morons.
Funny thing is, I am an 18 year old Girl. =]
Although, I would never hit my boyfriend, future husband, over some bullshit reason.

As for this "FML" ... I agree with the intelligent people who have explained why the marriage has its, essentially, pros and cons. Congrats.

That's terrible.
Did you slap him?

At least he asked. My boyfriend won't even talk about marriage and freaks out when I bring it up. lol

welcome to the true meaning of marriage. real love doesn't need a legal document to prove the authenticity. people get married for two reasons: money and fear.

Say yes.

#78 u sound like a dumb lil bitch, you don't kno wtf the women commenting would do in that situation cuz you're not them.. So um just shut up.

I don't really see what's so wrong with this, not really an FML. At least u have a man! LOL

I kinda liked 78's comments. Sounds like she has a well-used mind.

Honestly, if you two have been together for two years, I doubt consolidating debt is the only thing on his mind. It was probably a joke anyway. You'd know if a guy is serious about that stuff. He doesn't sign his life away to just anyone.

#78... That intelligent statement you made... I made an account to say this...

Good to know there still are many intelligent girls out there ;)

Well not all marriages are based around love... But... you never know, he could be a keeper. Smart guy though...

I am a debt cons. and you can't consolidate anything state or federal ( which all student loans are.) This is either fake or u need to tell ur man to find a new consultant

shit like this happens all the time... my cousin (in the navy) married a girl (also in the navy) because you get greater government compensation. basically having a drive-thru wedding netted them bigger incomes, and they can still have romances outside eachother.
with the cost of college and the current economy, doing something like this isn't an intangible idea, granted it is a terrible reason to get actually married. coming out of college into a shitty job market with hundreds of thousands of dollars in debt is a terrifying concept, and I'm glad i have a few more years of college before i get into the job market, but getting together to save some money is a decent idea.
that concept works best when the people aren't romantically attached though, and that kinda sucks if that is his only motivation toward proposing.

Hey.. at least when u divorce after studies u cld get 50% :] LOL
fyl

this is just like post #226!!!!!
Dated 11/06/2008

ok so i feel like there is a shit ton of this post being left out. no one in the history of proposals has said "marry me please so we can consolidate our loans" you probably just drew that inference because he's been worrying about his student loans and you probably have none, so you just assume that why he asked.

Congrats OP you're a cold heartless bitch.

Look on the bright side, at least he cares about the future for you two! XDDD

#8 were you hit in the head with a brick recently?

#4- What is a good reason to get married? If you're not terribly religious, already living together, having sex... why get married outside of financial reasons? So that you can spend all of your money and your parents money on a dress you'll never wear again and a crappy party with shitty food to lord over all your friends? Great.

Hahaha that's a good one.

I hope you do it. Be realistic. If you've been with him for 2 years and things are going good still you probably found a decent dude. If they're not going good and you're still with him then you're an idiot. Plain and simple.

Marriage is great for your finances! So long as you suddenly don't get too clingy, you can keep it for a while even if you break up ;)

Finally, a real FML.
It doesn't matter what she says to his question, but the fact that he asked her to marry him for that reason alone makes this an FML.

um... u said no, right?

two years isn't long enough anyways.

Bad financial move. If one of you dies, the other will be stuck with the debt as it cant be discharged since both names are on the account and there is a living person available. You never consolidate student loans with a spouse for the above reason and another: if you divorce, you are still resonsible for the debt because it is shared debt. Dont do it sweetie

I agree with 84 and 85. That was actually an intelligent statement.
#83, you kind of sound like the dumb bitch... with the exception of you're right about the "not EVERYONE would respond that way" part. You wouldnt know until you're in that situation.

If you DO wanto to spend your lives together, then you SHOULD time the legal marriage around financial concerns. Obviously if you break up it won't be worth your hassle; judge the costs and benefits accordingly. Marriage is first and foremost a legal institution; that's why you should never marry earlier than you're ready to commit and never later than when you acquire major joint assets.

LMAO!!! This is probably the only reason my boyfriend and I would get married :) Although I'm sorry for you if marriage really means a lot to you...

So a guy you love enough to still be with him after two years turns out to be smart and practical, has a sense of humor about it, AND is willing to spend the rest of his life with you. Oh, poor you!
I really like #78. I need to find somebody like her.

So what? The economic advantages of being married are a genuine one. If you want the romantic bullshit on top of that, just consider it a civil thing and go do your "real" marriage later.

People making a big deal out of things are the reason so much is wrong with the world.

DON'T DO IT

He is going to screw you over. Guaranteed.

lol I think he's kidding. Sounds like something I'd say to get a reaction.

Thank you #52.

Really though. Check the finances before you do anything like this. Let's not compound idealism with stupidity.

How romantic. I'd be wary if I were you.

Bum-mer.... I recall approving this one when moderating.

Tell him that's not a sufficient reason for you to get married. Was that so difficult?

don't say yes. i have no experience with marriage (only 16!), but I know you'll regret it if you accept.

Wait, what? I'd do it, especially if it's mutually beneficial.

In the US, married people can't consolidate federal loans anymore, if that's what you have for student loans. If you want to get married, go for it and then afterwards...oops, the loans don't consolidate!

And you are NOT marrying him, right? ... Right?

well thats romantic.

"Married students are no longer able to consolidate their loans together. This provision was repealed effective July 1, 2006."

http://www.finaid.org/loans/consolidation.phtml

That man is too stupid to marry, forget how conniving he is.

Dump her.

Swell idea!

What's next?? Your life insurance?? LOL !!!!!

Yo thtz messed up wat he did.

if you don't want to get married, don't. trust me, it would SUCK to be married to someone for only one reason. every day i thank god my spouse isn't a lameass. it's a way bigger deal than some people think it is.
i'm sure you're not though if it occurred to you that this is in fact a FML situation.

Smart business plan

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