The truck is your separate property since it was an inheritance. It is therefore not subject to being divided in equitable distribution.
The loan is marital debt since it was acquired during the marriage (between the date of marriage and date of separation) as long as the loan was for the joint benefit of the marriage. Most debt is for the joint benefit of the marriage and it sounds like this applies to your situation as well since the funds were used to support the lifestyle of the marriage. The loan would be subject to being divided in equitable distribution.
N.C.G.S. 50-20 and numerous case law opinions address equitable distribution.
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