If you don't feel that you can tell her, why don't you seek help for paying off this debt? Personally, I had about $15,0000 worth of credit card debt - I wasn't able to keep up with my payments and started getting collection calls. I did some reseach online and found a product that walked me through negotiating with my creditors - it's called Ugotiate.com . Look it up. I looked into other services but they were so expensive and I didn't have control over my debt. Ugotiate didn't cost a lot and I had control over what I wanted to pay to my credit cards. Look ito it, it's worth you're time... ugotiate.com helped me pay off all my bills. Now i'm saving to buy a house! Good luck.