5 Year Relationship But Not Engaged

I (24F) have been with my BF (25M) for 5 years (6 in September). We talked very early on in our relationship about one day getting married, but my education was my first priority. I’ve finished my graduate school program and will officially graduate in May this year. Throughout our relationship I’ve talked to him about my expectation that we’d get engaged soon after I graduate and have a 1-3 year engagement (depending on how long it takes us to save and plan the wedding, no rush). We do not live together because I wanted to wait until after we got married. Now that my graduation is getting closer, I’ve been bringing up our engagement. He’s only now telling me he doesn’t feel ready to get married or even engaged. He says he wants to commit and marry me, but he doesn’t feel financially ready yet. And I understand his concerns. In the past few years he’s accumulated $14k of credit card debt not to mention the recent auto loans he’s taken out. I feel like he was stringing me along. The whole relationship I talked about my expectations with him and he seemed to share them too. But now that it’s time to actually act on those plans, he isn’t ready. He’s been working on paying off his debt and he finally agreed to let me help him with a proper budget. I just don’t understand why he doesn’t even want to get engaged, I don’t even want a real ring right now (I told him we can upgrade our rings way later in the future) and he knows we’d stay engaged for a few years until we’re both more financially stable. I just want to move forward in our relationship. About a year ago I found out he was paying women on OnlyFans for custom videos of sexual content. It really tested our relationship and we’re still working on fixing the damage it caused. His reluctance to move forward makes me feel like he doesn’t want to commit to me. I’ve talked to him about it but I don’t feel like he understands my feelings at all. Recently, when I bring it up he’s gotten upset and told me I make him feel pressured to propose. I’m just sad and hoping for some advice.