To marry or not marry?

I’ve been married once before and we were fine financially until we tied The knot. Then his debt became my debt, and his ex wife’s debt that he owed became my debt. I finally got out of that situation via divorce ( also because he was 23 years older then me and a drunk who sexually abused me for years) I have 2 boys by him and a little girl on the way with my now boyfriend. I’m not well off financially and I’m kind of depending on my tax refunds the next couple of years to get myself settled in a home, braces for my teeth that I’ve dreamed about since I was a kid, new car, paying off some of my own debt like credit cards and loans and such and of course anything my kids may need and some to go a savings account for them.

The problem is, my boyfriend has school debt that they garnish from his refund (the whole federal amount) and I brought up to him that that’s going to hurt my 3-5 year plan if we got married. The IRS would take all of it. Well it hurt his feelings because I put “my finances over my love for him” when in reality I’m just trying to to get my life situated. I’m pregnant with his daughter which wasn’t planned but couldn’t be happier. But my question is, am i in the wrong here? Our anniversary is coming and I’m afraid he’s going to propose. I love this man so much. He’s hardworking, he’s taken care of me and my boys even when I wasn’t working for awhile and always comes home happier then hell to see me. I don’t know where I’d be without him. What would you guys do? I’d love to marry this man but want to be financially stable and get the things that my ex husbands debt wouldn’t allow me to have. Is there a way around the state garnishing my taxes if we were to marry? Any advice will do.