Financial matters, the thought of owing are overwhelming to some people. If Phil is planning on setting married with you, debt is something that he does not want to include in the start of your future. A ring is expensive and to add this to the thought of college debts, I think I would give him a little room. I do understand that not being around him, not communicating and always being tired, are taking a toll on your relationship, but if he is getting rid of his debt prior to a long time commitment with you, this is something to be admired. It is much easier to eliminate debt when you are living home than with your spouse.
You are in my heart, thoughts and prayers to resolve this matter as quickly as possible although I think it will just take a little more time than you would care for.