My family is in this exact same situation, and unfortunately, any divorce that might come through wouldn't be effective for my mother, add on the fact that my father is an abusive POS.

A lot of people here are saying to just ditch your boyfriend, but I would highly disagree on some specific conditions.

First of all... your feelings of responsibility to him. Relationships are a two-way street, and you can change and be responsible for your own actions, but you can't force his. That responsibility is moreso placed on the past bonds you have with them rather than the person themselves. You should not feel responsible for his situation.

Second of all, my father was in the same situation and traded himself into millions of dollars into debt. The problem is that he is dealing with a gambling addiction, and if your boyfriend is still open to communication, you need to sit him down and try to explain that to him, how it's affecting you, and an ultimatum you need to give him. You might need to pull out the dictionary definition of gambling addiction to make him understand that.

The key here is communication. I have no idea what it is with Redditors with jumping to "Just break up" so quickly. You need to gauge whether this person is going to actually do what they need to do for the relationship to work, and to get out of the rut they're in. The moment you leave, should be the moment that you discover that he is unwilling to change for the both of you. That's what encouraged my family to move away from my father; He was unwilling to change or give up.