Legal analysis: Even if one party does not sign, it is still considered a marital debt. The determination of a joint debt between husband and wife depends on whether one party's loan is used for family life. As long as it is used for family life, it is a joint debt between husband and wife, regardless of whether the other party signs it. Debts borne by one spouse in his or her own name for the daily needs of the family during the marriage are also joint debts of the couple.

Legal basis: Article 1089 of the "People's Republic of China and Civil Code" When divorcing, the husband and wife's debts shall be repaid jointly. If the property of the two parties is insufficient to repay or the property belongs to each other, the two parties shall agree to repay the repayment; if the agreement fails, the People's Court shall make a judgment.