DEAR AMY: I am a divorced mom in my early-30s, with primary custody of my 8-year-old child. I have been dating “Ben” for the past two years. He is a great guy and he is very good with my son. We have been talking about getting married. He has never been married before (no kids) and I am gun-shy, to say the least. I own my home, my son is happy, and I am trying to be extremely careful about our future. Last week Ben took me out for a drink. He said he had something important to tell me. He confessed that he is almost $20,000 in debt. He said he is trying hard to clear his debt, but he isn’t mak…