Legal analysis: one party can't divide the loan after divorce, and the husband and wife's debt can only be divided into the same debt. Debts incurred by both husband and wife with the same signature or by one of them with the same intention after ratification shall be recognized as debts with the same intention of both husband and wife. During the marriage relationship, the people's court shall support the debts incurred by husband and wife in their own names due to the daily needs of the family, and the creditors claim their rights on the grounds that they belong to the same debt of husband and wife. The people's court will not support the debt incurred by one spouse in his own name during the marriage relationship that exceeds the daily needs of the family, and the creditor claims rights on the grounds that the debt belongs to the same husband and wife, unless the creditor can prove that the debt is used for the life, production and operation of the husband and wife, or because both husband and wife have the same meaning. At the time of divorce, the debts owed by the husband and wife living together shall be paid jointly. * * * If the same property is not paid off, or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 1076 If a husband and wife divorce voluntarily, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office. The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.

Article 1079 If one of the spouses requests a divorce, the relevant organization may mediate or directly file a divorce lawsuit with the people's court. When trying divorce cases, the people's court shall conduct mediation; If the relationship has indeed broken down and mediation is ineffective, divorce should be granted. Divorce shall be granted if mediation fails under any of the following circumstances: (1) bigamy or cohabitation with others; (2) committing domestic violence or abusing or abandoning family members; (three) gambling, drug abuse and other bad habits; (four) separated for two years due to emotional discord; (5) Other circumstances that lead to the breakdown of the marriage relationship. If one party is declared missing and the other party files a divorce lawsuit, the divorce shall be granted. After the people's court ruled that divorce is not allowed, if the two parties have separated for one year and one party files a divorce lawsuit again, divorce shall be granted.