It really isn't. You'll find out this sooner or later, one way or the other. Im a guy too so Im giving you advice you need to know now. Never, ever, ever try to control really anyone's finances, but most especially your wife/ fiancee from a position of authority like I sensed in your post. That is an instaneous road to her getting out of that relationship sooner rather than later. She applied using her credit under her name. You better get used to her having agency over her personal finances, Im not sure you are right now. You can discuss financial paths together and plan, etc. But trying to imply that she needs permission and for yoy to approve is not only not 21st century, its not even 20th century.