Quoting The (super kinky) Master:" <blockquote><b>Quoting Dr. Paradigm Shift:</b>" If he's not pushing for a wedding, ... [snip!] ... in your head right now-really."</blockquote> He wants yo get married though ... He just knows better than to push"
If he's not pushing you, that just means he loves you more than he needs documentation of being married. You guys have been together for so long and made a commitment to each other by getting rings and filing the paperwork for your common law relationship. Marriage is the next step, but that doesn't mean that you have to take it now or ever. What matters is that you love each other and are committed to each other. Marriage is an extra. Honestly it sounds to me like you have a premature case of cold feet
If you guys do decide to get married, maybe you should put money back a little at a time. Like 50-100 a month for a year or so, until you have enough to do what you want to do. I wouldn't sacrifice education or things for my son to get married.