GB - thank you, I definitely see where you are coming from. If I was taking that piece of it out of the equation then yes, I'd just take out the loan, but still listen to any suggestions he had and try to be respectful of the fact that it would currently be his debt, too, because that's just the right thing to do in general. I want a car that is actually MINE, that I can be proud to drive, and that isn't going to require a ton of maintenance (the car I'm borrowing from my parents is 13 years old with 180,000 miles and rusting out.) And honestly I think having that one car to share did not help our situation at all. If only I didn't need a loan, this would be much easier An option I hadn't thought of until just now was maybe seeing if my parents could loan me enough money to pay for it outright. I'd get the car I want, H wouldn't have a debt that's potentially his. I'll look into it.
Me:30 H:29, no kids T:12, M:4 (when D was final) 12/13: "Don't think I want to be M anymore" 6/14: Separated (I move) 1/15: H filed for D 5/15: D final