Thanks for your advice, I really appreciate it!

It is not that I believe he'll get lazy. He is a very hardworking individual, more intelligent than I am, and he's a very family oriented man who will step up to the occasion to provide for his children. I have no doubt about that. And his debt doesn't affect my decision to marry him at all.

I just have worked very hard to be where I am today. Not to make it a dramatic story, but I uprooted my life in my home country, with no family and 0 starting wealth, to come here and make a life for myself. I was also $100k in student debt when I first start working, which I paid off in 1.5 years. I still see the cost of everything before buying, have a budget, track my expenses, etc. All of this makes me value this wealth and I don't want to make a wrong decision that undoes years of hard work.

I believe what Dave Ramsey says about bankruptcy and divorce, you always want to avoid them at all costs. Where I come from, divorces are pretty uncommon, and I believe that if two people really put their hearts in a relationship it will stand any test of time. But on the other hand, I don't want to end up as a single, divorced woman in her 40's with 2 children who also paid for her husband's loans.

Sorry for the ramble, I just wanted to highlight why the thought of divorce crossed my mind. I 100% believe in the institution of marriage.