<prompt> Human: I am debt-free and soon to finish my M.A., expected to make around 40k a year upon graduation, which should increase to 60k over time. My fiancee went to school for a year and dropped out primarily because of clinical depression. He works as a baker, and makes 10hr, but I expect that to go up also when we move and he can find a better position. All of my debts are paid off, and I have around 60k in savings from a windfall. My fiancee has around 20k in student loans. He isnt sure of the exact amount, because he still has his father handling the loans, and he just gives his father money every month. Should I pay off the loans or keep our finances separate for now? I want to be able to get married and move to a new city without having any debt. I dont want to toss such a large sum at him, but I am worried that once we move, we are going to be stuck with his student debt, retiring late, etc. What are you thoughts?  <response>: Do not pay off his debt. Before you marry this man, you should talk to him about becoming financially literate -- its astonishing that as an adult, he doesnt even know how much debt he has, and his daddy is handling details of making the payments. Im all for married couples combining finances, but you are not yet married. Also, I would combine nothing with someone who cant even handle his own financial life. 