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Thank you for your questions. I am a solicitor in in Scotland. 1. Her student loan was paid from income by both of you. You can argue that you are entitled to credit in the division of monies on the basis that the debt is non matrimonial. 2. If the gifts of money have come from your parents to both of you then it falls to be divided equally. If the gifts were to you alone you would be entitled to retain them unless the money was spent or put into joint funds. I hope that helps. Please leave a positive rating so that I am credited for my time.