So many advise which is constructive.

At the end of the day, due to limited saving, TS will need to learn to compromise.

If you do fancy stuff and taking personal loan for it, the loan interest at 8% per annual will be a extra burden for you for years to come.

My advise is to ask your gf opinion and come clean with your situation to her. If she understand and still want to get marry, then lucky you. if she look down on your because of this and leave you, also lucky you.

In the end, you win.