You do not indicate whether these papers were drawn up by an attorney And whether each side was represented by counsel. It is important that the Separation Agreement be prepared by an attorney who has experience in matrimonial matters and the document is prepared properly. Although you may have an agreement, the agreement may not be binding and unless it meets the legal requirements necessary in matrimonial matters.
With regard to working out the tuition loan if both sides are amenable to a resolution it should not be difficult.
You must file the separation agreement and divorce papers to get a divorce and they must be approved by a judge. Since your spouse is living in New York State we can file in New York.
Please call me at 212-370-1660 to discuss mediating your divorce which will save you time, money and lots of aggravation.
Leonard M. Weiner, Esq./ Divorce Solutions