yid_pashut, I can see that you are a responsible person. Some people don’t even think about the possibility of not being able to afford being married, and they realize it when it’s too late. I was, and actually still am, in a similar situation, and the best advice I can give is think carefully before any big decision you make. Plan ahead. Realize the effects of your decisions. Make connections with as many people as you can. You never know who might be able to help you out at any given moment.
There are different ways to deal with your situation: Some people don’t get married until they are absolutely sure they can live with it financially. Others marry and then together try to find ways to be financially secure. Do what you are most comfortable with.