If you are dating a guy who has accumulated some serious debt, you may be wondering if you can (or should) salvage the relationship. Especially if your credit is in good order.

Financial stress is a leading cause of fights and breakups. If your current boyfriend has a debt problem, there are a number of things you need to consider before continuing with the relationship.

What Kind of Debt Does He Have?
There is a big difference between student loan debt and credit card debt. There is an equally large gulf between mortgage debt and gambling debt. The former shows a degree of foresight and planning for the future, while the latter just demonstrates irresponsibility and possibly an addictive personality.

If your boyfriend bought a first home and saw the property drop in value, that is not his fault. Millions of people made the same error during the housing crisis and learned from their mistake. If he was smart enough to buy a home, he is intelligent enough to work his way through the debt and recover his thrifty ways.

The same is true of student loans. Having to pay back tens of thousands of dollars in student loan debt is certainly not fun, but the education he received should help him earn a higher salary going forward. A higher education is an investment in the future, and you and he can work through the payments as a couple.