stardust09: Your concerns are definitely worrisome 
How old are you? It seems to me that you are probably around 26-28. Am I correct?
Your post is absolutely thoughtful and mature and I can understand how it can make you worried.
bigdaddyyyy - a big smack just phor you 
when someone is seriously questioning their fate/future you don’t “generalize” that person as a gold-digger without knowing the situation.
back to startdust … I think you should go with your gut feelings. You seem like you are giving him chance/opportunity to “settle” down, but it’s still not okay because of his “age”. We all expect to be somewhere at a certain point in life and sometimes things do not work out the way we want it to.
So carry on further with your decision to find out if he is hard working guy or not? If he is - then it’s WORTH the wait! Sometimes guys NEED all OUR support. So be by his side if he is a hard working guy.
(If he failed or scored lower in any of his exams - then it might not be for him. Help him decide to work out in a different profession. If he is approaching 30 - then he is anxious himself for not getting where the rest of his “buddies would be professional wise”.
It’s your call. Go with your gut feelings. You know what would be the best for you in this situation! 