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Well it sounds like you just described my current situation, Crompsin, down to the bunny slippers, IRA, nest egg, car, college and credit. And my SO nearly (albeit not Chapter 7) matches your characterization.
We're coming up on our fifth 'anniversary' of dating, so I will say that it can (and does) work. We're together for the love, not the money. It does suck knowing that if we ever get married, combining my phenomenal score with hers will result in devil child in the middle, that's a bit of a tertiary concern in the grand scheme of things.
If the feelings are there, the disproportionate debt can be an annoyance, but not a deal breaker. We'll figure it out somehow.
Figuring out if that's worth figuring out later down the road is the important consideration.
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"I'm typing on a computer of science, which is being sent by science wires to a little science server where you can access it. I'm not typing on a computer of philosophy or religion or whatever other thing you think can be used to understand the universe because they're a poor substitute in the role of understanding the universe which exists independent from ourselves." - Willravel
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