I don't know the answer for you. That seems like such a Catch 22, you know? On one hand, you want to act "as if" everything is going to be great & wonderful and just "throw away" the D action, however, on the other hand, if she does decide not to stay 6 months from now or whatever, you don't want to be stuck w/ her debt.
I think you need to go w/ your gut on this one. If you truly think you guys are going to be able to work things out and your M is going to last, I would say forget signing the debt document. I would say, if you feel in your gut that you are going to be able to work everything out, "start fresh" from here.
Me: 38 H: 35 S4, S5, S10 Bomb 01/07 Wanted D - nothing would change his mind Numerous A's prior to D bomb; EA prior/during D bomb Piecing 04/07 Deployed for a year 05/07 Still Piecing 2010 M 11 yrs 05/10