I'm one of those college students that got married early, during my sophomore year. I was 21 years old when we got married on a beach in Lake Tahoe, CA, with a close-knit party of 7 immediate family members and my "best woman" and her "man of honor." We had been together for 3 years at the time and lasted 10 years total before realizing we no longer worked, that we had ultimately grew into two totally different people from the 19 and 20 year olds we were when we first met. As immensely heart breaking as it is today, I wouldn't trade the experience for the world, as it made both of us who we are today. And we remain very close friends. I wish it could've lasted, but even when we first married, we specifically kept all of our finances separate because we were realists and accepted the fact that this might happen in the future, even though we were madly in love at the time.
Anyway, I guess my point is that if it feels right to both parties, do it whenever it feels right for both of you. I'd strongly urge against acquiescing to your SO if it doesn't yet feel right. There are pros and cons to doing it at every point in life. But I think you'll both know when it's right.
