Yeah, depending on how much you think about what I write, you'll definitely find yourself stumped. Nothing wrong with that, though, since I usually tend to go for articulacy and complexity, occasionally at the expense of making sense.
That, and I don't really consider myself totally professional by any means, so I'm still trying to perfect the art of storytelling, and the way I write tends to attract pretty critical thinking, which, again, is nothing bad by any means.
Now to answer da questionz
How much they were in debt is best left to the imagination, really (though I'd say a significant amount). And keep in mind, of course, that he was planning to go on cruise BEFORE remembering that he had the debt to pay. Afterwards, it was still on his mind, but he didn't know whether to consider it or not, and he didn't know if Charmaine knew about it. Charmaine also often talks with her friends about him and they basically decided to throw him a bone.
It really wasn't the debt ITSELF that increased the love, since that'd be downright ridiculous, lol; it was her having the initiative to pay it off and thus turning the problem over it's head so they would have nothing to worry about. That basically increased their already strong relationship, since it solidified him knowing that he could trust her with anything (not that he didn't trust her beforehand, of course, since a major part of marriage
is trust, but still).