Ask and you shall receive

So today I e-mailed some people in one of the programs I'm in (wow that's very ambigious) about meetings I have with them pertaining to the graduate school application process.

So now I have to take my CV, Drafts of Personal Statements (which I think I need to find the Word Documents to match the papers I have), and Listing of Graduate Schools I want to apply to. I'm not sure how good my chances are to get accepted to any of my schools (I know that no one knows their chances, but it'd be nice to know), but I have to apply to be fair to myself.

My fiance, God bless him because I really do love him but sometimes he gets really paranoid about some things and this is a perfect example, brought up a conversation I really didn't want to have...

Him - "So I was thinking... maybe we shouldn't go to graduate school right after you graduate."
Me - "Ummmm... I don't think that's an option for me."
Him - "What do you mean?"
Me - "I have to go to graduate school right afterwards, I'd lose my mind or something."
Him - "Well it's just that we're going to have a lot of debt after you graduate with your student loans and my student loans. It's going to be a lot."
Me - "I know..."

I don't think the convo went exactly like that, but it's pretty much the gist of it. My grades aren't perfect, but whose are? I mean, if you are getting all A's in your courses at your institution, well, I hope you aren't applying to the same schools I'm applying to. I intend to work hard and I really want the Ph.D. I don't think my fiance can really get in the way of me doing what I have to do, but I also understand his point. Finances are a big indicator of where we are moving to. If it's cheaper to stay here for a year, I can understand that. But over time, we'll make more money if we are employed Ph.D.s rather than full-time hard-working bachelors.

Is it reasonable for him to ask this of me? To give up my current plan because he thinks getting out of debt is of the highest priority, which his parents brainwashed him into thinking of because they don't like debt either (which I can understand, but nothing should stand in the way of getting your education, at least not student loan debt). It'd be like adding a car payment at the end of your education, which some people do anyways. So why not have a better pay grade and go without the car? At least for a while. Then we can afford to give our children a better education and less worries about where they will get the funds from.

I want fellowships, but don't know how they'd affect my packages, good or bad. I've heard some great things about them, and some disheartening ones too. Again, I will apply but don't know how good my chances are. My favorite professor even told me that the Math GRE was super hard, and she took it forever ago. I'm scared.