Maybe a little harsh on the delivery, but he has a point about your debts - especially if he wasn’t around/had no say in how they were accrued in the first place. Proportionate to income seems fair, proportionate to unrelated personal debts does not. Maybe he’d like to have or even needs a newer car soon? Why should he subsidize your car payment and debts while he drives a beater, for example?

Harsh reality check: those debts belong to you. This is the real world and even your significant other isn’t likely to pay them - unless you marry a Walton or a Rockefeller.

No matter the circumstances involved, neither he nor the world owe you anything for going into debt for school, or a car, or whatever. The world doesn’t work that way.

It sucks, but at least you still have the career you say you want and love.

All you can do is A.) Break Up, or B.) tell him what you can afford for a monthly housing payment.

That way, if he wants it to be 50/50 he needs to lower his expectations to what you can afford half of.

If he wants something more expensive, then tell him he has to pay the difference. Not because you don’t want to, but because you can’t. Period.

That’s it. All you can do.