So we don't often talk about it because it's a pretty intimidating subject but her debt terrifies me. I've done all I could to stay completely debt free and I've thankfully been able to achieve that. I always pay of my credit cards in full and never carry a balance. The little college I attended was paid for with money I was awarded after being mauled by a dog when I was a child (still have a scar on my face from it but it's not very noticeable with my beard).

Debt in general is probably my biggest fear simply because of the implications it can have on nearly every aspect of your life. She didn't acquire the debt through reckless spending or anything, it's student debt, but now she's considering changing her major, basically making most of the other debt she's accrued worthless. I want to support her but at the same time I don't think she realizes the consequences of switching majors and piling on more and more debt.

I'm just struggling with this because I want her to study what she's interested in but at the same time if she keeps switching majors she will be paying off her debt for the next 30 years. I'm not getting any younger and I want to start a family soon and this is weighing on my mind when it comes to thinking about the future. I'm probably overreacting because debt is so common these days but after doing all I could to stay out of debt it feels like all of that would be flushed down the drain if we were to start a family together.

To be clear I'm not thinking of leaving her over this, not at all, I love her, I just wish she would stick to one major. She already switched once and now it feels like if she switches again what's to say she won't get bored of her new major and decide to switch again a year or two down the line.

How can I support her but at the same time make clear that I think she needs to just stick with a major? I want her to be happy and study what inspires her but the debt just makes me anxious and think about us struggling to pay our bills if we get married and start a family together. Sorry if this came off as a ramble, it's just been on my mind since she said she wants to switch majors.