What does your partner do? Are you splitting finances? Marriage simplifies this kind of stuff, if you have a kid especially. Are you paying for rent or are you splitting 50/50? Who does most of the child rearing? Do you have equal incomes? Why are you talking about one income? If you can get around by Public transit: sell the car. Does your “partner” have another care you can share. If you get married, your debt will be “our debt” and your savings will be “our savings”. If your “partner” has $100k sitting in a savings account then this should be both of your problem not just yours alone.