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So you're just playing house when she possibly thinks you intend to marry her?
Your deal breakers on marriage with her are things that can be worked on. I'm nearly 40 and married for 15 years and I can tell you, as life happens, careers can change. Senses of humor evolve.
I am sure you are getting plenty out of this current living arrangement. Font string her along any further and waste her time with someone who does not see a future with her. End it.
childish
You're dating 20 year old weed addicts who work in a movie theater. Were you expecting Faulkner?
The way I understand it is that you don't sign for half a loan, even as a co-signer. You sign stating that you are liable for the full amount. If he takes the money, cashes out, and heads off to… anywhere creditors or lawyers aren't going to go to track him down, she's liable for the full loan.
OP, don't sign. And why is his credit score so bad? Has it airways been this way? He is your husband… on paper only at this point as far as I can tell. You could be dating and living together and nothing would be different. I would be super suspicious at this point, and I'd start checking into his financials. But that's me. And the only snooping I've ever done was in my parents' “important” folder. It contained birth certificates, my dad's professional licenses, property papers, insurance numbers, and our letters to Santa. Super secret stuff. That was the file to grab if the house was on fire. Letters to Santa.
30 years later we still tell Mom what we want from Santa because we get two extra things that way. (The budget doesn't go up, there are just fewer things combined in boxes so there are more boxes to unwrap)
I'm not a snoop, but If be checking papers and considering hiring a PI.