Gordie, as you say W is meandering back towards the family and you did separate finances to protect yourself. So do not assume any of her debt. ,et her keep that in her name alone.

If she asked for it, I would like to think that offering some financial advice on lowering spending and paying off her debt would be great, but I believe it would be as well received as it is with my own kids. Besides advice and MLCer spouses does not seem to mix.

So if you want, and it seems warranted, you could offer some help with payments. I do not know her amount of income compared to yours or the amount of debt. However you could match her payments, or match just whatever extra payment she makes above the minimum - that may entice her to work towards finding ways to help herself out of debt. Something along those lines may work well and its success would hinge on how much effort W puts into it.

Doing good Gordie.

Feelings are fleeting.
Be better, not bitter.
Love the person, forgive the sin.