the first thing that comes to my mind- since he is having issues with money, he probably doesnt want to commit on fear of not being able to provide for you. men naturally like to be providers for their families and without money, he probably feels he cant do a good job of that. he went to school for four years, most likely has alot of school loans to pay, and cant get a job now. if that was me i would feel like a failure and just wasted my time and money. he probably wont tell you that if he has a hard time expressing his feelings..he doesnt want you to look at him in a negative light. he wants to be your rock to lean on, not someone who needs help with money or a loser who cant get a job. when i first got together with my bf he told me that he loved me alot sooner then i would.. i just wasnt ready to say it and i didnt really feel it at the time. so just because he cant say it yet doesnt mean he never will. im kind of in the opposite situation, my bf and i tell eachother we love eachother all the time, but yet he has told me he will never marry me because we are not compatible. but when we try to break up, neither one of us wants to end it fully, so we always end up back together. to answer your q's - depression can take its toll on anyone..that doesnt necessarily mean he doesnt love you. hes just going through a hard time right now and probably needs you more then ever. id say give it time and maybe look up tips on fighting depression..maybe little things you can do like exercising together (releases endorphins), make him his favorite meal, just little things to make his day? try to make him feel needed. hope this helps, good luck