You do not have to marry this man. It doesn't matter how much you and he have planned on getting married, or how soon the marriage is scheduled to happen. It would be extremely foolish to marry someone because you do not want to hurt this person's feelings.

If you want counseling, you have a right to get it. Your boyfriend does not necessarily even have to know about it. Quite honestly, it really does sound like you already know what to do. Listen to your own mind and judgement. It doesn't sound to me like you are confused. You mention financial issues. If you are financially dependent on this man in some way, then that might be the source of you feeling like you are in a dilemma. There is surely a better solution to whatever your problems are than entering into a marriage that you do not really want. I hope you figure out an alternative.