Sounds like your wife made a poor decision on college (probably because she was told she had to go to college if she wanted to be a success and most kids don't question all of the authority figures speaking this message), but I highly respect the two of you doing the hard thing to get it paid off and taking responsibility for your commitments and promise to pay. (All of us have made multiple bad decisions. Some just hurt worse than others). I wish more people treated their promises like you two did and more people were willing to do the hard things now, so they can have an easier time later. We need more people with a good work ethic and morals like you.