$15k in credit card/BNPL debt

Honestly, I would not panic about the S$15k itself, especially if it came from a rough year and they are already actively paying it down. What matters more to me is the transparency. I would be upset that I only found out now, because finances should not come as a surprise right before marriage. I would sit down with them, understand the full picture, repayment plan, interest rates, and timeline, then align on how we are going to clear it responsibly. I would not automatically take over the debt, but I would treat it as something we solve together, with clear boundaries, accountability, and better communication going forward.

This is a bit tricky, but then again S$15K is still manageable imo, i think the best resolution is to firstly aim to pay it off asap but concurrently should manage the current situation ie- not to get into more BNPL schemes and aim to pay off everything in one lump sum moving forward. Buy only what you need and have discipline unless certain expenditures cant be helped (furniture for housing, renovations, wedding expenses etc.)

It's good to have a transparent discussion about the debt and plans to how to settle them.

I wouldnt be happy to begin with, but after some time ill maybe understand it came from a tough time. Id hold them accountable but wouldnt help unless needed. We are in it together after all, and i trust them to manage