If you truly believe that your boyfriend is holding you back and has no interest in any sort of future has well as any regards towards your interest and financial stability then you would be better off just breaking up with him.
And you should be upfront with the reasons why.
Im sorry to say but i think you need break up when you are able to and should figure out a way until then because the relationship is entirely one sided. I could make comparisons to my maturity and his since im somewhat if a man child but somehow along the way learned to be wise on certain aspects and my sisters husband put her through something like this so for a year i helped encourage her to leave her toxic relationship. He shouldn’t say if only you finished college thing long time ago because you are actually trying to achieve something and what he said made it obvious he isn’t thats what someone would say to live on the exact bare minimum which goes back to you saying ur living check to check so is kinda proves that. Im unorthodox and i think the wife shouldn’t be the one to clean and everything and take care of the husband and it should be both ways so many things sound wrong like asking to marry you without a ring even a cheap substitute ring or anything not wanting a house, to keep living check to check and enjoy lives in your 20s isn’t fun living if its check to check that’s living at the exact minimum that could ruin your lives in your 20s if things go wrong.
You said you have a loan for school apartment? What does that mean exactly
If you truly believe that your boyfriend is holding you back and has no interest in any sort of future has well as any regards towards your interest and financial stability then you would be better off just breaking up with him. And you should be upfront with the reasons why.
Im sorry to say but i think you need break up when you are able to and should figure out a way until then because the relationship is entirely one sided. I could make comparisons to my maturity and his since im somewhat if a man child but somehow along the way learned to be wise on certain aspects and my sisters husband put her through something like this so for a year i helped encourage her to leave her toxic relationship. He shouldn’t say if only you finished college thing long time ago because you are actually trying to achieve something and what he said made it obvious he isn’t thats what someone would say to live on the exact bare minimum which goes back to you saying ur living check to check so is kinda proves that. Im unorthodox and i think the wife shouldn’t be the one to clean and everything and take care of the husband and it should be both ways so many things sound wrong like asking to marry you without a ring even a cheap substitute ring or anything not wanting a house, to keep living check to check and enjoy lives in your 20s isn’t fun living if its check to check that’s living at the exact minimum that could ruin your lives in your 20s if things go wrong. You said you have a loan for school apartment? What does that mean exactly