<prompt> Human: 24yo grad student here. I know Im not the first to ask this question, but this seems like the most appropriate subreddit. You could say it has a little rrelationships sprinkled in.I want to propose to my girlfriend of almost 2 years who I met in grad school. In 3-4 years we will both be doctors and making over 100k a year each. However we both have student loans, mine being about 130k with 2 years left of school my family is lower middle class and hers being less than 20k her family has money. I realize that a ring should traditionally be 2 months of the mans salary, however I wont have any income for a good while, so the ring would be paid in loan money. We both have talked about it thoroughly, and she doesnt want to skimp on a ring just because we dont have income and she understands wed both sort of pay it off when we graduate. I have friends in grad school who have gotten engaged and married and are very happy. Ive been looking at rings on overstock.com, and there are some nice rings for 30 40 and 50 off retail making them quasi-affordable for me. Have any of you ever dealt with overstock.com or purchased a ring or other piece of fine jewelry from them? I am clueless when it comes to buying a ringsetting up a payment plangetting insurance etc. I also feel sort of uneasy making such a huge purchase that way but the deal seems too good to pass up. Any advice would be appreciated.To clarify, I paid off my car in 2012 and dont have any other payments, I use my loans for gas, groceries, rent and general living. I live from August-to-August when the loans are given out and divided by semester after tuition is deducted. My parents dont have the money to support me so I am basically financially independent. I dont have a credit card. I dont know my credit score. All Ive ever done is basically eat sleep study take tests sports and vidya games. tl;dr - Im a grad student over 100k in debt in school loans that wants to propose to my gf but neither of us will have income for at least 3 years and I dont know whether to wait or yolo itedit: just checked the FAQ on the sidebar and nothing under relationships engagementupdate: After reading you guys comments, Im definitely more inclined to wait. I am going to bring it up in conversation on the phone tonight. I want to gauge if she will be happy with a temporary ring to show my commitment that also fits my budget Thx uhuadpe OP will deliver resultsUPDATE 2: Talked to my girlfriend about waiting until we are on our feet to get engagedmarried etc., and she didnt take it well. She felt led on in a way that she expected to get engaged in the next year. I am partly to blame for that because I did give her hints like asking what cut of diamond she liked, looking at her ring sizes etc. I am being stern about this however, that I will not go into further debt for a rock and finance it with student loans. I suggested mossanite and other alternatives you guys suggested, but she didnt budge, saying a fake ring that costs as much as a game system makes her think that its a joke to me or that Im not committed. I might need to x post this to relationships..  <response>: If you love your SO enough to promise her forever, then shell still be there to recieve a proposal from you once youve established yourself in a good job and better financial standing. 