Suppose you go for it. You diligently are working off the debt and she is now pregnant. And she wants to fix up the place ( nesting) You say, I don’t have the $ for a while due to her debt. Tensions mount and you now have a kid with her. Bad plan.

+100 to scardy
especially how we become our fathers and daughters mimic their moms.

And, I don’t think you mentioned it or I missed it, but it didn’t sound like she has the ability or job potential to make a dent in this 90k. Strike 3.