Is it worth saving my marriage? Please help 😣

To start out, I do love my husband as a person. He is a great dad to my 4 month old daughter.

I am a very driven person. I have goals for my life and for what I want. I took a year off nursing school when I got pregnant and am going back in August (2 semesters to graduate BSN RN). I am a very mathematical person and I don't like financial surprises. I am a great budgeter and planner.

I met my husband about 5 years ago when I was in college, on the wrong path, and partying too much. He is 6 years older than me. He was divorced and had a child. He was not my type at all. We just had so much fun together and I fell in love. We got married this past summer and have a beautiful daughter.

When things got serious between us, I realized he has some financial issues. He mad and still makes good money, but he tends to avoid his problems. He has a horrible credit score and he will let loans go into default and never think twice about it. I took over all the finances and have been getting things strait.

He decided to go to school a while back. He only went 2 semesters before we found out I was pregnant so he went back to work and didn't finish. I haven't heard much about it since.

Well, we are currently in a small 2 bedroom apartment with a baby and his 9 year old. I have been working so hard on fixing his credit so we can get a house (mine is fine, but I don't have the income right now). It was starting to get better until I checked it today. He had student loans that he let go into default.... 133 days late. He credit score dropped to below 500..... I have been working my ass off to get us straight to buy a house and now this. I told him about it and he got mad at me and said he should have never gone to school. He also admitted that they have been calling him for MONTHS and he's been ignoring the calls. He back to his old self. I just really wanted an adult life and he doesn't seem to want to help our family. Yes, he goes to work. But he comes home and plays video games and gets mad if I ask for help. He told me yesterday that he was aggravated that I haven't been having dinner ready when he gets home from work... I have a 4 month old and I had a terrible pregnancy and labor. I'm still recovering mentally. He makes me feel like nothing I do is enough for him.

I've also been so down about my appearance. I gained a lot of weight when I was pregnant and also got some ugly stretch marks on my hips. I feel so bad about myself. He has not once told me I am beautiful or complemented me. Honestly, he never did that before I was pregnant either. I used to try so hard to stay healthy and hope he would notice, but he never did. The other day he even told me I should get a treadmill to help get back into shape. I was so made and he justified it by saying he doesn't think I need it but he knows I'd be happier and less stressed if I started working out. It just makes me feel so bad.

And then on top of him making me feel so bad about myself, he's ruining our credit and future by not acting like an adult and tending to his responsibilities.

I want to reemphasize that I do love him and we have so much fun together, I'm just starting to think that this may not work for a long, adult relationship. I am not that partying college girl anymore. I want someone who makes me feel good about myself, someone who appreciates all I do and someone who helps and shares the same goals as me. It's like he has no drive for our future. He lives day by day. Goes to work, video games. He does feed our daughter and change her. But I do everything else.

Is this a phase?? Should I give up on trying to make this work? It's been 5 years and I feel like nothing has changed.