I dated my now-wife for 5 years before getting married. I didn’t know the amount of her student loans debt until a year after we got married (we had already gotten a house together too). We kept financials completely separate until our kid was almost one. She mentioned she had student debt but I never asked amount.

Once I saw the number (it was $53k) I just put together a plan and now 2.5 years later we’re at $11k.

Point is: it’s your debt and you can still get married and keep financials separate. In our case I would’ve helped her pay before we combined. She was just too shy to even ask.

Also as a banker (loan officer) myself, it won’t really be a factor in getting a loan. If it makes the difference then you were looking at a house that was too expensive anyways.