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Originally Posted by ratbastid
If you have a good relationship with her dad, go to him and lay it all out. He doesn't want to see his daughter in a bad relationship, or divorced a few years down the road, and he also doesn't want to see her hurt herself too badly in a breakup right now. In short, he wants all the same things you want. He can help you tell her.
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Also, you could promise to take the debt upon yourself and pay him back over time. That's more than many in your shoes have done.
No matter how bad it may be now, if this is truely how you feel and it's not just cold feet, it's only going to get worse the longer you let it continue.
I'm sorry you're in this situation. You have the power to get out of this situation. As someone very wise here said once, you are not responsible for her mental well-being, not even for her happiness. She is. You will not be doing her any favors by sacrificing your life and your happiness to prop her up.