The key to this problem is to determine whether the husband and wife are in debt or the husband's personal debt when they are in this position.

If the husband and wife jointly owe debts, the wife has the obligation to repay them; If it is the husband's personal debt, the wife has no obligation to repay it;

The husband borrows money without his wife's knowledge, which shows that there is no agreement between husband and wife to borrow money, and it is basically confirmed that borrowing money is the husband's personal behavior; But we have to judge the details of the specific case.

The above analysis is for reference only and I hope it will help you.