No, filing jointly does not make you liable for the loan; you are only *directly* liable for the loan if you signed/co-signed/guaranteed/etc. it.Of course, if you husband is personally liable for the loan and defaults on it, that will affect you. For example, creditors could reach his share of any marital assets (his share of money in joint bank accounts; his interest in property); could garnish his income, which will reduce family income; and a negative impact on his credit will affect the two of you when making large purchases, like cars or homes. So even though you would not be directly liable unless you sign, etc. the loan, you will indirectly affected by any default.