
She doesn’t want to just sell herself so that the loan can be paid back. Plus, she’s considered all the pros and the cons if you haven’t noticed. She keeps going back & forth with her decision because she is not sure what will be more beneficial. She’s said that her parents would be upset if they found out that she only married him for money, and that they wouldn’t approve of it.
Plus, nobody would want to marry right away like that’s a huge decision to make! Especially in Korea, where social status matters more than anything. In Korea, getting a divorce is something that people will blame the woman for no matter what she did. This will taint her image for good, and make anybody that she would want to marry in the furrier not want to marry her.
Being the wife of a rich dude will also be a huge burden in her because she will need to attend social rich events where everybody will judge her for being poor. She also doesn’t want the ML to just marry for the sake of it, she wants him to unchain himself as well.
She has considered the possibility that she might gain feeling for him in the year that they get married because they need to constantly be together. If she gains feelings, then she will be deemed as useless to him and he will have her pay back the loan.
If you ask me she is being very smart about it, because I would also think like her. As in, if she falls for him, then he will divorce her which will break her again, and she will have to pay back the loan. If she does marry him without falling in love, her parents will love him and blame her for not being a good wife or something.
Her parents will be heart broken if she divorced because they know that she’s always fantasized about marriage. Her parents would think that she only married him to pay back the loan (which is correct) so they would be very much against her choice. Her extended family that knew she took a loan would think she’s a gold digger that is money hungry. Rumors would stir all over the people that she knows.
It would also taint her parents’ image is they just allowed her to marry to pay back the loan, since people would think that they sold their daughter’s happiness in order to save their own asses.

Right? Like I'm Asian and I totally see why she's this hesitant.. Marriage is placed a lot more importance upon people stay unhappy in marriages just because they fear the societal backlash that comes with divorce. Where I live, marriage is seen as A Must-Do and a person's values and place in society is often seen hand in hand with their marriage and kids.
I love their relationship it was just so funny