With the number one reason for divoce being Money, I don’t think going into debt, at any interest rate, is a good idea.
You can do a wedding cheap. I believe it was 300 to rent the chapel you were looking at? Have you looked at other possibilities? Some smaller churches (like my dad’s) will work with you, and the pastor can do the ceremony–just make sure you trust him. I know for most people getting married in my church, you pay for the pastor (I think it’s 200-300 dollars, something like that? That includes premarital counseling, which is a lot more fun and important that it sounds), you pay for the pianist (if you’re having the church’s pianist play) and you pay for the sound guy. But if you have a friend or family member do the music, or you go with a more non-traditional sound, like playing something from a cd (just be careful how you do it, can be a little tacky), you’re saving a lot. I would look for a beautiful but inexpensive dress… check out the sales. Mine was less than 400 with alterations, I believe. Cute, cheap shoes. We went with silk flowers and I think we paid less than 250. We opted for 2 receptions: one at the church with everyone, and a smaller one at a banquet hall for family and visiting relatives (and those you know you have to invite because it would break your heart if you didn’t…. really good friends). If we had stuck with the one at the church, the whole wedding (including photography, dress, suits, money for pastor, sound, pianist, everything you can think of) would have been around 2,000 bucks. You can do it for cheaper.
We had a small budget in mind compared to most in the Chicagoland area (around 5,000) and we definitely went at least 1,000 over it. But we did a lot of the little things I wanted, things you don’t have to have. And looking back, some of the things I really stressed over aren’t the things that I remember about the wedding. In fact, my friends who had really fancy cameras, who I also asked to take pictures (along w/the 2 photographers, who we got for 400 bucks) took amazing photos, just as good as the photographer himself, some better.
I can’t imagine postponing the wedding though. My husband and I wanted to be together so badly, we thought about moving the wedding up 2 months (would have been crazy). But you want to be together NOW. Don’t let preconceived notions of what other people have, or what you COULD have, stand in the way of that. It’s not worth it. Nothing is.