I think people are reading into this wrong and with anger. It sounds like OP has been in a relationship with the girl for a while and the girl likes the OP enough to want to get married. Women like to have security and marriage is one way of getting it. To her it may feel like she is being used for sex and this is to see whether OP is willing to commit. However, OP has massive financial commitments and cannot propose a he is worried he won't be able to afford it.
I'll say the same thing I said to my dad when he got remarried and two of my very close friends. You are an intelligent human being so speak to her.
Tell her what the situation is and that if you had the money or she were willing to go get married in a court then you can do it, but anything expensive and you cannot afford it.
I'll be married 5 years come October and I was in a similar situation. Me and my brother were buying a house and had tons of expenses. 2 months prior my mom passed away and that brought on tons of expenses, including having to look after our sister. I told my wife to be at the time the same thing, if you really want marriage, this is all I can afford. If you happy with that and are considerate enough to understand my circumstances then it's doable, if not, then it's up to you, you can walk away. Wife chose to get married in the cheap and paid for most of the expenses herself.
Communication people, it makes life so much easier.
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