If you can put her entire income toward it, it'll be gone in no time. I wouldn't be too worried about that.
What I would worry about is the expired visa. I have friends who married with one on an expired visa, figuring they could work it out later. Now he is stuck back in Africa and she is raising their son here in the U.S., alone. He can't even visit because he messed up his standing with the U.S. She can't afford to visit him very often, either. It's terrible because it was procrastination and disorganization, not malice or any desire to break the law, that got them in the situation. And yet as a wife of a resident alien, I know that you have got to play by the rules if you want your family to stay together.
Put your energy into figuring that part out first!!! Good luck!
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