February is a great time for nourishing your relationships and growing your financial emotions. As overwhelming of a conversation this may be, it’s important to have an open and honest discussion with your significant other about student loan debt, as well as with any other debt you may have. For many people, debt is a leading cause of stress. That stress not only affects you but also your relationships. If you can get in front of this discussion it can save you money, time, and stress now and later in life.

We’re at a point in history where student loan debt is at an all time high of nearly $1.6 Trillion. With that horrifying figure it’s safe to say that many relationships begin with a large amount of student loan debt from one or both parties. As a student loan borrower, you should never feel alone in your journey. There are many different repayment options available based on your loan type, occupation, income, and relationship status. Personal finance isn’t an easy thing to openly talk about, especially if you feel like you’re drowning in debt. However, an advantage of having these money conversations is to make sure that you’re both on the same page as to the best way to move forward and overcome your student loan debt. There is strength in numbers and the numbers I’m referring to in this case is a support system.

It’s important to continuously have these money conversations each year as life is always changing. It’s surprising how many life events happen in a matter of a year, whether it be graduating, changing jobs, changing your relationship status, having kids. All of these changes could potentially have an effect on your student loan repayment strategy. Schedule a money date at least annually and reward yourself with your favorite meal and glass of wine.