The other issue you don't realize is that whenever you marry someone you open yourself to "liability".
Your credit, finances and even freedom can be effected by what your spouse does. You are liable for every damn action that person does while you are playing house for 6 months. In the end when your credit is ruined and you REALLY want to marry, see how that works out for you when it's time to get a house or new car.
Fuck that. It's not that 10k is just a little bit of money, it's a little bit of money when the heartache outweighs it!
All I was saying.....