The division of home equity loans or lines of credit on the house during a divorce depends on various factors, including the laws of the jurisdiction, the terms of any prenuptial or postnuptial agreements, and the specific circumstances of the case. In general, these debts may be allocated between the spouses as part of the overall division of assets and liabilities. The division could be based on factors such as who incurred the debt, the purpose of the debt, and each spouse's financial contributions to the property. It's advisable for individuals going through a divorce to consult with a legal expert who can provide guidance tailored to their situation.

Home equity loans or lines of credit (HELOCs) on the house will typically be divided between spouses as part of the divorce settlement, considering the following factors:

1. Joint ownership: If both spouses are listed as co-borrowers on the loan or HELOC, they will likely be equally responsible for the debt.

2. Community property: In community property states, both spouses may be responsible for the debt, regardless of who borrowed the funds.

3. Use of funds: If one spouse used the loan or HELOC for personal expenses or investments, the other spouse may not be responsible for that portion of the debt.

4. Agreement: The spouses may agree to divide the debt as part of their divorce settlement, considering factors like income, assets, and liabilities.

5. Court decision: If the spouses can't agree, the court may divide the debt based on what is deemed fair and reasonable, considering the circumstances of the case.

Common ways to divide home equity loans or HELOCs include:

1. One spouse takes over the loan or HELOC, and the other spouse is released from liability.

2. The loan or HELOC is paid off as part of the divorce settlement, using assets or cash.

3. The spouses share the debt, with each responsible for a portion of the payments.

4. The court orders a sale of the property to pay off the loan or HELOC.

It's crucial to consult with an attorney or financial advisor to determine the best approach for your specific situation.