Don't go into debt man. That is a bad move starting out in a marriage. A friend of mine blew 13,000 dollars on a ring! That's right 13,000 bones! Needless to say I think he is an idiot. 13k might not be that big of a deal if you make mad money, but when you make 12 dollars an hour it's not such a great idea.
I have a couple of credit cards and have gone into debt. I'm taking this semester off from school just to work and pay them off...NOT COOL. I wouldn't recommend getting a credit card right now, and have to worry about paying off 3,000 dollars. I think that if she really cares about you and the relationship then she won't have a problem with you waiting it out a little longer.
Anyways, I hope everything works out alright for you.
-Mike
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