If you are going into debt borrowing money for school (like most people out there so it’s normal), you’ll have to pay it back.

And even with low interest rates student loan payments are very high. No matter what plan are you on.

401k is optional but paying student loan isn’t. So you will absolutely need “real” job to pay your loans back even if you think you don’t need real job for paying your bills.

I doubt you’ll find anyone to pay your loans.

I think your view on how things work is rather naive and unrealistic. You can’t make plans with this guy. You can’t expect to move down there and live with him not even knowing how it’s going to play out financially. Is he going to pay your way? Pay your loan? Not charge you rent? These are serious things unless you want to continue unstable situations

All you can do is maybe plan a second date when pandemics are out but even that isn’t realistic