When my husband begged me to take out a $15K loan for his mother, he claimed she’d pay it back in a month. But weeks later, my MIL denied ever borrowing a dime. Now the debt is mine, and the lies are only just beginning to unravel.
Some marriages look perfect from the outside, like those Instagram couples who post sunset photos and anniversary tributes that make you feel inadequate about your relationship.
But sometimes that perfect-looking relationship is just a facade.
I know, because my marriage used to be like that.
Andrew and I had been married for 16 years and had a 14-year-old daughter who did well in school and sports.
Nice house in a nice neighborhood? Check.
Functional relationship without the spark? Also, check.
On paper, our marriage looked great, but behind closed doors, I’d learned long ago that I’d forever be playing second fiddle to Andrew’s mother.
Let me paint you a picture.
Andrew treated Susan’s birthday like it was his favorite holiday. He’d buy her jewelry and send her flowers (not supermarket flowers either, but a couple dozen peonies in a crystal vase).
They’d spend hours on phone calls that sounded more like love letters than mother-son conversations.
For my birthday, I usually got a rushed “Happy Birthday” with a cup of coffee and a kiss on the cheek.
If he remembered it. Most years, I reminded him the day after.
It wasn’t okay. I knew that, but it also wasn’t bad enough to file for divorce. I didn’t want to turn my daughter’s world upside down just because Andrew was a Mama’s boy.
So I stayed quiet, focused on my daughter, and kept playing the role of the understanding wife.
That worked fine until the night he came home with that look on his face.
You know the look I’m talking about? The one that says, “I’m about to ask you for something you won’t want to give.”
He paced around our kitchen like a caged animal, running his hands through his hair, checking his phone, and avoiding eye contact.
I just carried on loading the dishwasher while I waited for him to drop whatever bomb he was holding.
Finally, he stopped pacing and looked at me. “Honey, I need you to take out a loan.”
I blinked. “Okay. For what?”
“My mom needs $15,000.”
I just about dropped the plate I was holding. “Fifteen thousand? What does she need that much money for?”
He looked at me, chewed his lip, then said something that hit me like a slap in the face.
“Don’t worry about it.”
Don’t worry about it? Those four words made it feel like I was some child who couldn’t handle grown-up conversations.
I turned back to the dishwasher. “Why can’t you take out the loan yourself, Andrew?”
“Because I work at a bank. If this shows up on my record, it could affect my job.”
I rolled my eyes at a casserole dish.
Andrew’s job as a loan officer came with all sorts of rules and requirements about maintaining his financial standing, but something felt off about his explanation.
“It’s just a quick, temporary thing, babe,” Andrew said. “Mom will pay you back next month. You’ll barely even owe interest by then. You’re not really taking on debt, it’s just a pass-through.”
“I don’t know…” I muttered, closing the dishwasher.
I’m not ashamed to say that I didn’t want to do Susan a 15K favor, especially when I didn’t even know why she needed the money.
But he kept pushing, using that tone that meant the conversation was over whether I liked it or not.
“This is for my family,” he said. “For us.”
So I caved. I always caved. That rock in my gut told me not to, but I ignored it like I’d been ignoring my instincts for 16 years.
The day after my loan was approved, I drove to the bank and withdrew the $15,000. Andrew’s insistence on getting the money in cash was another red flag, but I ignored it, too.
The teller counted it twice, her eyebrows raised slightly.
I kept the receipt, folded the thick envelope, and drove home with my hands shaking on the steering wheel.
When he came home that evening, the first thing Andrew did was ask if I got the money.
I walked over to the bookcase, where I’d tucked the thick envelope away.
I stood in front of our bookcase for a long time, holding that envelope. It felt heavier than it should have.
My phone chimed with a message notification, breaking my train of thought. I took it from my pocket.
“What’s taking so long?” Andrew snapped behind me.
I carefully propped my phone up on the bookcase, then turned and held out the envelope.
“Here’s the $15,000 from my loan,” I said.
“Thanks,” Andrew replied, tucking the envelope into his jacket pocket. “I’ll take it to Mom tonight.”
That was it. No kiss, no squeeze of my hand, no acknowledgment of what I’d just done for him.
The month that followed was torture. Every bank alert made my stomach clench.
The due date crept closer like a storm cloud, and neither my husband nor his mother said a single word about repayment.
Finally, I couldn’t take it anymore.
I sent his mother a polite text message: “Hi! Just checking in about the repayment for the loan. Let me know when works best for you.”
Her response came back so fast it made my head spin:
“I have no idea what you’re talking about. I never borrowed a cent from you. And I’m not paying anything back.”
I stared at my phone screen until the words blurred.
Then I walked to the kitchen where my husband was eating cereal and showed him the message.
I expected outrage, denial; some kind of shock followed by a stream of excuses and promises to talk to Susan.
Instead, he barely glanced at the phone before shrugging. “I don’t think she ever planned to pay you back.”
The world tilted. “What? You told me she’d pay me back in a month.”
“I had no choice. She said she’d cut me off if I didn’t help her.”
“Cut you off from what?”
“Her will. Her house. Everything.” He looked at me like I was being unreasonable. “You don’t understand how much she’s done for me.”
How much she’d done for him. Not us, him.
“Andrew, what did Susan use that money for?”
His gaze slid toward the door.
“Don’t even think about it!” I stepped in front of him. “Tell me the truth.”
Andrew told me everything then, and it left me speechless.
You know what Susan spent my 15K loan money on? A flight to Turkey, plus the facelift and breast implants she got while she was there.
“Your mother used my credit to finance a makeover?” I snapped.
“She’s dating again,” he said, like that explained everything.
The money had also covered a luxury wardrobe and a professional photoshoot.
Turned out that while I was losing sleep over loan payments, she was posting Instagram photos with hashtags like #Ageless and #HotGirlSummer, showing off her new D-cup life that I’d unknowingly financed.
I sank into the closest chair and buried my head in my hands.
“Look on the bright side, babe,” Andrew said. “Making the loan payments is going to improve your credit score.”
I didn’t even look at him.
I couldn’t believe he and Susan had betrayed me like this, but even worse than that was how stupid I felt.
I kept making the loan payments because the debt was in my name.
But I also called a lawyer.
See, I didn’t completely dismiss the warning signs. That evening when I’d given Andrew the money, I’d also pressed record before setting my phone down on the bookcase.
The video clearly showed him taking the envelope and saying, “I’ll take it to Mom tonight.”
My lawyer’s eyes lit up when I showed her the video, the message from his mother denying the loan, and the payment receipts.
She started asking questions about the house his mother had supposedly used to manipulate him.
Turns out, it wasn’t even legally hers.
The property was still under her late husband’s name. There’d been no will update or transfer of ownership.
My husband already stood to inherit everything. The “cut-off” threat was pure manipulation.
And then I did something I should’ve done a long time ago.
I filed for divorce with full custody.
No way was I letting Emma grow up thinking this kind of emotional blackmail was normal family behavior.
My lawyer also filed fraud charges. Andrew had coerced me into a loan under false pretenses, and we had video proof.
He tried to backpedal, claiming he’d given the money back to his mother, but all the evidence was against him.
He was backed into a corner, and honestly? I wasn’t sorry about it.
While he spiraled, I walked away and rebuilt with my daughter. It was hard but in a good way.
One morning, curiosity got the better of me, and I checked his mother’s Instagram account.
I’d been blocked. Apparently, #HotGirlSummer doesn’t include lawsuits.
