He should file bankruptcy FIRST, eliminate the debt and then proceed to marry.
I would be more concened about the acounability partner BS rather than the action debt.
I can’t believe any of this is really about the money, she has already decided he is not reliable and is just looking for justification to call it off.
Just because u declare bankruptcy does not get you out of debt owed, any credit needed after the marriage will come to rest on her shoulders, as he filed BKRTCY, history erased another red flag..plus we get stuck with the bills other people walk away from. That home in the suburbs may not come about for many years to come, buying a car--she had better have deep pockets or a great job and a pre-nup.
If a good income following a "useful" education; then student loans can be paid off--irresponsible purchases of wants over needs, late payments, collectors; then an issue..