My wife and I were broke when we got married.
We saw our friends starting their marriages in wedding debt and decided to officiate our own marriage in her sister's basement. We bought like $100 in beer and everyone brought a dish. A witness signed the license after us. A picture session for the boomers and everyone was happy and debt free.
It's absolutely retarded to put a wedding on credit. I'm not backing down on that. If your potential spouse demands it, run. You'll probably end up divorced anyway.