Should I come clean?

So I’ve been keeping a secret from my bf of two and a half years.

I have a lot of debt. Like A. LOT.

- About $2,500 in credit card debt that he has NO IDEA about

- About $13,500 in student loans that he is aware of.

- About $16,000 in a car loan that is is aware of.

He also believes that I have about $18,000 in savings but I have $0….

I don’t know how to be honest because I know money is so hard to talk about.

I’ve tried so hard to cut extraneous spending as much as possible but lots of different things have come up.

I’m getting a raise starting on my next paycheck and I’m hoping with paying down a lot of my debt with my bonus check and with my raise I can start contributing to my savings and grow it as quickly as possible.

Please be kind as this is seriously something I struggle with so so much.