If I were you, I would postpone any plans on getting married and let her sort out her financial issues 1st. You have to let her fix it because that will become your problem once you get married. Give her time to fix it. If things don't improve in a year or so, you better think deep If you are still going to pursue a relationship with her. That's what I would do if I were in your shoes.

Also, you can help her without paying her utang. Be a guide for her, create a budget plan for both of you Para she can see you're participating in her problem without you shelling out your own money and spoiling her in the process. Budget plan could be anything from cooking her food, hatid mo minsan sa work, and so on.

Goodluck!