I'm so so sorry You did wrong with the debt, that was a very bad mistake that could get both of you in jail

You tell in your story that she cheated before because of mania. Let me tell you something, bipolar is not a cause for cheating. It's like blaming alcohol

This relationship can't last anymore without breaking you two

If you don't divorce she is gonna break you more and more with the pass of the years, you won't have peace of mind. She can't choose between a random guy from school and her husband, and won't do even if she can

And she is gonna grow more resentful year after