<prompt> Human: I dont know how to help her anymore. Shes in about 25k of high interest cc debt from poor financial decisions in her early 20s. She moved a lot for jobs, got into pricey leases, had a shopping addiction, lived beyond her means, etc. She makes 50k a year and living with her boyfriends mom. Shes about to leave her boyfriend because his mental stability took a turn for the worst this past year. He used to be functioning but is now displaying signs of schizophrenia and hasnt worked since May. He is a completely different person from what I knew him to be. She has stuck by him, being the incredibly loyal person she is. However, she needs to take care of herself now instead of feeding him, paying his bills while he denies he has a problem and wont accept help. His whole family has been enabling him.We are 27 and she cant get ahead. She wants me to move in with her but Im comfortable where Im at and Im saving a good amount of money to make my next move working a contract job while living back with my father, paying off minor debt, and figuring out where I want to be by August, possibly out of state for new job ventures. My car is paid off, I have a small amount of cc debt at around 1500, 18k of student loans and a comfortable emergency fund. Im in a good place right now with options and I know I have to say no to her. I cant move in with someone who consistently has less than 500 in their checking account with no other assets besides a car.I dont even know what the options are for her realistically. I dont think shed file bankruptcy. Shes working a second job at night in addition to her day job. I dont think shes explored the option of consolidating her debt or transferring it to different cards. Her credit score has obviously taken a dip the past couple years.Realistically, what are her options? Continue to struggle to pay off this debt? Seek a financial advisor? File for bankruptcy?What would reddit do?Assistant: Is she paying rent at boyfriends moms house?Human: Nope, shes living there rent free.  <response>: She makes 50k and has 25k TOTAL in debt no Student loans as well? while living rent free? This debt could be wiped within 2 years if she actually wanted to free herself. If she has to move out like you said, it will take another year or two but this isnt life shattering debt. Jus treat it like student loan debt and plug away. There is no quick fix for 25k in debt whether it is from student loans or consumer lending. 