What is the ruling on marriage without a guardian (wali), and what is the solution to this complex problem that involves the young man's current inability to marry, the young woman's refusal to marry without a guardian, and the young man's fears of family rejection or others proposing to her?

Marriage is not valid except with a guardian (wali), and a woman does not have the right to marry herself or others. This is based on Allah Almighty's saying: "And marry the unmarried among you," and the Prophet (peace be upon him) said: "There is no marriage except with a guardian," and "Any woman who marries without the permission of her guardian, her marriage is invalid." The questioner should cut off the forbidden relationship with this girl, for love based on a sinful relationship often fails.