I’m a little late replying to your message here, but I’ll go for it anyways.
I am going to guess that where your SO is working in a fire job that is
not a full time guaranteed 40 hours a week situation. I know that when I
started working in fire I really didn’t know all of the opportunities that
are out there. There are many many fire jobs out there with guaranteed 40
hours a week, and also many that are year around or very close. I don’t
know what state you are in, but in California this is definitely the case.
At the very least he should have a fire job that guarantees 40 hours a week
during fire season. (with the feds or state usually)
I wish you the best of luck, don’t let his money situation affect your credit.
He needs to take some responsibility, even if that means he works a job
he doesn’t like in the winter.