Marc Wernick and his partner, David Ger-son, were planning to tie the knot on July 24, the first day New York State's new Marriage Equality Act allowed same-sex marriage. But three days before, they got cold feet—not about each other but about the financial effects of making their commitment legal. So while they joined the exuberant crowds celebrating at New York's City Hall on the historic day, they postponed their own wedding. What happened? Wernick, a 47-year-old budget analyst for Columbia University, attended a planning seminar for same-sex couples and learned, among other things, that he might be legally on the hook for $150,000 in student loan debt that Gerson, 37, still has from law school and college.
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