You have only been dating a year. Why do you need to decide NOW whether or not to keep him? Your mother may be right, and in time you will know for sure. Don't move in with him or marry him until he gets his shit together. Let him pay off his debt all by himself. Love is only one component of a healthy, adult relationship. Responsibility is equally important. Some people never DO get it together, and you don't want to be having to continually pick up the pieces for him for all eternity.
If I were you, I would set a REASONABLE deadline for waiting around for whatever it is you need to materialize. I don't know how much debt he has or how hard he works to get rid of it, but you be the judge. Does he spend his money frivolously, or is he ultra-responsible? Is he extremely focused on paying it off? Does he have a reasonable plan for doing so? He may never be able to get the kind of job he wants without formal education, but is he advancing in the job that pays the bills? Does he take pride in being responsible?
This will tell you a lot about his values. If you find over time they don't match yours, then move on.
BTW - I think it is really a good thing that you consider your mother's advice so carefully. She has invested a lot in you, and I am sure only wants what is in your best interest. Unless she is psycho, it is entirely possible she sees some characteristics in your boyfriend you are unable to see because of your love for him.
Last edited by vashti; 11-08-07 at 01:47 PM.
Relax... I'll need some information first. Just the basic facts - can you show me where it hurts?