Girlfriend and I are closing on our first house this month. Not married, not planning to change that in the near future. I am the higher earner by a significant margin, so I am putting the $ down, and the mortgage will be in my name. I want to make sure that if something happens to me, the path for her will be as easy as possible when it comes to the house. Cash etc already taken care of through will, however I need to send the title paperwork and am having a hard time answering this question. She has pretty serious student loans ( that she does pay every month ) and I am concerned that if her name is on the title, the student loan companies could theoretically use the house as leverage against her, whether it’s to change her monthly payment, or something else. Wondering if I should just leave her name off and will her the house as well as my financial assets, or put her on as a joint tenant or tenant in common, and if so what %? Forgive my ignorance, trying to learn as we go here.
Thanks in advance !