At 20-years-old, chances are you have not met the person you're going to spend your life with. Marriage is very serious and takes a lot of hard work. Neither one of you can go into it with doubts. Trust me, it's a very good thing you are hearing this early. I agree with Christian above, talk about postponing the wedding, and see how it goes.
Christian, I thought you were an advocate of hugs for Puerto Ricans.