Hello all. My wife has one SoFi private student loan with a little more than $100k balance. We refinanced from Earnest last year to get a lower interest rate and are actively making payments on it. Right now, she has direct deposits going into a SoFi checking account to cover the loan payments while the rest of her paycheck goes into my account (it's not technically a joint account but it acts as one).

We bought a house last year, she is not on the loan but is on the title. She also recently bought a car for our future family to grow into. We live in Ohio.

My wife is currently pregnant. Once we have the baby delivered we most likely won't be able to afford both the daycare costs as well as the student loan payment. The baby will obviously be a higher priority than the student loans.

We do not have a lawyer right now but we are definitely open to getting one. I have heard of people strategically defaulting their student loans on here and was wondering if you all had any things to watch out for / advice to give.