Usually the study abroad programs are designed for juniors, not seniors.
Many people find the study abroad programs to be very rewarding, and often return to those countries after graduation for advanced degrees or work. But it's a personal decision, no one else can decide what is right for you.
Do you intend on marrying this girl, or forming some sort of domestic partnership / common law marriage? If so, depending on the laws of your state, she will eventually have a shared right to some or all of your financial property.
If you sign a prenuptial agreement with her, you are required...
If you currently have debt, then you are already living beyond your means. You need to pay off that debt BEFORE you spend more money on housing, lest you jump out of the frying pan and into the fire.
On average, most people spend 25-33% of their gross (pre-tax) income on housing, which often...