Most Helpful Guy
This is just an opinion, and I dont know if it is the best option, considering the loans thing, but it would be a good idea to get out of the house soon. Maybe without him knowing. You might want to get some legal advice from a lawyer to see what you can do about your loans.
Im sorry that you have to go through this.
Most Helpful Girl
Tell him straight. Get your affairs in order first. If you have loans, you'll have to come to some sort of agreement. Best to talk to a solicitor or something and then break up with him. Move out as soon as you can. Best of luck to you.