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Think about your freedom
Instead of focussing on the guilt you'll have or the pain you'll cause to your soon to be ex-partner, think about how much freedom you'll have to do the things you've wanted to do during the relationship. Think about the times you've wanted to take that trip with the guys or your girlfriends, or the fun nights out that your friends have had without you because you were stuck with your girlfriend/boyfriend. If your a guy like me you'd probly think about the money you would've saved, or the bad credit you could have avoided. Of course, that's my own personal story, and women may have gone through it too. The point is that if you are soon about to break up and are worried about the feelings of your partner, you'll both end up getting hurt in the end, and will never know what might have been if you took that step to move on with your life.