<human>: Can you provide a brief rundown of the text in within 3 sentences?

Greetings Relationships. I have come to ask you for advice about a very sensitive subject. 

I am mid-30s and my SO is late 30s. We have been dating 1 and 1/2 years and currently live together. Marriage has come up and the only thing holding me back at this point is financial worries.

Currently we are both employed. I make enough to pay my bills and put money in the bank. I have a very good credit rating and my only debts are student loans and 4 more payments on one credit card. My SO is kind of a different story. I have never point blank asked him about his financial background. What I get from him is that he has a poor credit rating, no substantial savings, a good amount of debt, and is not the best at handling money. However, as far as I can tell he pays his bills every month and, after we had our first mini discussion, is working on a savings account. 

I have been advised by numerous friends and family that I should ask him to fully disclose his financial background as well as ask him about the amounts of debt he owes. I am really torn because although we have discussed marriage, we have also said we don't want to rush the relationship. I honestly don't know if I should force this discussion before we really sit down and decide on a marriage timeline. He has already said that he wants to marry me and I am a bit nervous that he might try to propose before I have this discussion with him. If he does, I will say no, because I want this resolved before we even get engaged. 

To be clear, I am not very concerned about his debt. I also have some debt. I am concerned because he has debt and a low credit rating. This sets off a red flag that he might not be handling that debt properly. Since we have been together, we have worked through several major issues. I feel that we can work together on this as well. I am just at a loss as to how to approach the discussion.
<bot>: I have a high credit rating and good financial sense, my SO does not. Marriage has been discussed. How do I approach this discussion?