Need Your Advice: Marriage/financial Question?

I am about to marry a Japanese girl, we are already engaged, and we are already having financial arguments. One of the main sticking points is the $50K (20-year repayment plan) I took out for grad school. She has volunteered to help me pay it back, but she wants to do it immediately over the next 2-3 years. I want to defer payments temporarily to help with wedding costs and start-up costs as a new couple. I would also like to save more for a house downpayment. I live in t

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