Please dont get pregnant.  If you cannot discuss money with him now, how are the rest of the difficult talks going to take place in the future?  What other decisions will he not want to talk about?  The inability to talk about it with you is the key for me even more than the amount of debt.  If he is a paycheck to paycheck spender dont assume that you will be able to change him.  Let him prove how much he "loves" you and have him come up with a plan to resolve the debt.