Can I wait it out for two more years?

[imalan]

For various reasons, it would be pretty disastrous for me to leave my relationship before 2025. Partner cheated, I found out a few months ago but decided to listen to his shit and give it another go. Today I've discovered that he's been in contact with the OW so I'm done, there's absolutely nothing that could make me think he needed to contact her and quite frankly he doesn't deserve another chance.
But can I keep my mouth shut for another 2 years? Has anyone done it and what should I do to get things in order?

Why do you need to wait 2 years?

Why are you waiting 2 years? Is it financial or a visa issue?

Sorry should have guessed that would be the first question. It's financial, we got a loan 3 years ago and there are 2 years left, I absolutely cannot afford to pay it off by myself - even more so if I'm covering everything house related. He's never paid late or short or anything like that but I don't trust that he would continue to pay if we weren't together anymore.

And I'm absolutely cursing that I took the loan out in my name but we've been together for 20 years and I never imagined that he would betray me.

Do you have any options of paying it off earlier? Is that feasible?

Not at the moment, house move and then the rising cost of day to day life means I'm pretty much at my limits money wise. Things should be a bit better by next April once I've paid off a credit card but even if I added that figure to the monthly payment I'm not sure if it would massively reduce the term.

Maybe you should speak to a solicitor and get some advice. I’m sure I’ve seen on here before that you can get free advice from some places.

All debts are matrimonial in same way as assets. Refer to forms E and D81. What you have to split as assets is after debts have been paid off.
Go to link above to ADVICE NOW to get guides on how settlements are worked and concept of fair settlement l understand how this applies to your circumstances

She refers to partner not spouse....

There’s no link and she doesn’t say they are married.

There is a link- read the MN comment

and yes, I did assume they were married

I'm not sure if you're married or not according to the comments above but you should definitely get your stuff in order. If you're married, use this - https://iamlip.com/help-guides/pre-divorce/

But if you're unmarried, this link will most likely help you - https://iamlip.com/help-guides/other-divorce-separation-situations/
Click the first box about 'unmarried couples' - there are some things you might be able to do to safeguard yourself which are detailed here, including how debts should be dealt with after separation. Hope this can help!