There are times when ends just don't meet financially no matter how hard you try. Unexpected bills crop up and can easily get you behind on all your usual expenses. Discussing personal finance issues with your partner is a must. A lot of couples each have a partner playing a different role. One partner handles the finances and credit issues and one partner is pretty much ignorant to the credit and personal finance.
If you are the partner that is saddled with handling the personal finance issues at home and you find that you are in trouble and it is time to maybe look at loans as a way out you will need to sit your partner down and have a frank discussion about household finances.