I'm 29yrs old and my girlfriend just turned 27yrs old. We've been together now for 6 years, and we talk about marriage and plan to get married. Being that its 6 years I'm really starting to feel the pressure of marriage, a little from her but mostly from friends/family. The reason why I haven't proposed yet is because my debt. I just can't afford a ring right now. I got myself deep into debt and I'm trying to get out and she knows this. She shows me rings and wedding dresses just to joke with me but I know deep down she means it. It also doesn't help that people around us (family/friends) are getting married as well, who are younger than us but also finished their educational goals, which we both are trying to accomplish. I know 6 years is a long time but I know eventually we will get married, but sometimes when that subject comes up I start to stress out. Cost is the main issue I guess you can say. We both thought about doing a civil wedding for now and then doing a big wedding later when we're financially ready. Any advice??