How to treat the post-separation portion of a student loan that was incurred prior to the date of separation?

I have no difficulty concluding that the portion of the debt that was incurred prior to separation is a matrimonial debt (see Schaller v. Schaller [1993] N.S.J. No. 128 (N.S.C.A.)). How the post‑separation portion should be treated is less clear. The wife entered her two year program prior to the date of separation with the consent of the husband and it was intended at that time that she would complete the two year course of studies and that her costs were to be financed by way of student loans. However, the loan for her second year was signed solely by the wife and was signed after the date of separation. As impractical as it may have been at the time, the wife could have withdrawn from the program and not incurred the debt.