<human>: So I took two semesters at a college and my mom said she would pay for the second semester. Sounded good to me. Problem is, she never paid it. I just applied for a credit card and got declined due to the debt being in collections. She never said anything to me about it and I never got any notices so I was unaware and if I had known I would have just paid for it myself. 

I called and confronted her about it and just got a lot of excuses and she said she would give me money to pay for it and that I can get it removed from my credit report. I got married recently and my husband and I decided not to take any help from her and just pay the debt on our own since she often uses things like that as guilt trips for favors. I paid it in full but there's no way for them to take it off the report since it was in collections for a year. Now my credit score is garbage and I have to wait 7 years for the judgement to come off. 

My husband is understandably very upset and wants nothing to do with my mom. We are having a baby soon and it will be her first grandchild so obviously we can't ignore her, but I'm worried the tension will build and he will blow up on her about it especially since she spends so much money on stupid things. She also told me she never got any notices about the debt, but when I called they said they've been sending them for a year to her address. I haven't lived at home since I started school. So obviously she's blatantly lying as well. 

Honestly if we weren't having this baby I would probably just cut her off. I guess I need help navigating the future not only with the relationship I have with her but also her relationship with my husband. As of right now he can't stand her and wants absolutely nothing to do with her.

Can you succinctly summarize the text in 1-3 sentences?
<bot>: Mom jacked up my credit score and my husband wants nothing to do with her, but we're about to have her first grandchild