The general rule is that debts incurred prior to marriage, such as school loans, remain the separate debt of each party. Keeping your finances separate is a good idea. If you use his credit card for joint debt in the future, it gets hard to separate it. And even if the condo is in your name, if you both pay the mortgage, part of it may become marital (joint) property. In addition to filing taxes separately, I'd recommend a prenuptial agreement. Consult with a family law attorney who has experience with both drafting and enforcing prenups.