Family Law Questions? Ask a Family Lawyer Online.
It is true that your divorce decree does not effect the rights of your creditors, and if she files bankruptcy, you can be held responsible for the debt while she gets discharged. However, the divorce decree gives you the right to sue her for indemnification/reimbursement of any debts you pay on her behalf.
Your best option would be if the creditors would release you from the loans. However, this is not likely to happen.
The next best thing is to have a clause in your divorce decree that says if any jointly held account for which she is responsible is discharged in bankruptcy or otherwise relieved by the creditor, that she will indemnify you and assume the defense of any claims made by the creditors.
All you can do is have a provision that she accepts responsibility between the two of you. You can't get the creditor off of your back in a divorce agreement because it is not a party to the action.