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Personal Loans and Shared Debt

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Personal Loans and Shared Debt

Hello Everyone!

I was wondering if anyone has had any experience applying for personal loans when you're a homemaker (stay at home parent) trying to get a personal loan and the only income is from your spouse?

To give a bit more detail, I was helping my mother apply for a discover loan for 25k and she got approved for that amount but got declined at the end for the sole reason that she technically has no income and my father is the one who has income to sustain both of them. Now my question is, when she spoke with discover they mentioned that the only income that would qualify is income that she makes directly to her name or any income from people she has shared debt with. Does shared debt mean any co-signers income can be used from which you have loans with?

Thanks in advance.
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