Both myself and FI are students and have been engaged for about 2 years now and just started planning about 7 months ago, We have booked our venue, photographer, dj and florist. Our venue has a pretty lax cancellation policy and the dj and florist have been given minimal deposits which wouldn't kill us. Please keep in mind we are paying for the entire 140 guest wedding ourselves. Our photographer on the other hand has a no refund policy and we have already made 2 of the 3 installments totaling a little over 2k. We also just sent our Save the Dates a few weeks ago and are now in the process of cancelling the whole shindig in the hopes of saving the remainder of our money and eloping in Europe over summer break. We don't know what to do with the photographer... Any suggestions?