If the girlfriend owes money for reasonable reasons, such as accidents, family therapy, excessive consumption, home decoration, buying a car, losing money in business, being cheated, etc. Then you can consider whether to get married according to your financial situation.
If your girlfriend owes money because of bad hobbies, such as Tik Tok rewards, virtual currency, stocks, futures, playing cards, gambling, taking drugs, buying lottery tickets, etc., then you need to seriously consider whether to get married.
Anyway, getting married is an important decision that needs careful consideration. Before making a decision, you'd better have a frank talk with your girlfriend about this problem and try to solve it.