<prompt> Human: Hello! Ill try to keep the personalrelationship info out of this post to keep it on topic. Throwaway for obvious reasons, but Ill probably use this account for a few more posts relating to this topic. My girlfriend and I purchased a house together about 3 years ago. We have a 160K mortgage and share all utility expenses. Recently she confessed to me that she has accumulated over 20K in credit card debt. We are trying to work through it as obviously this is a big blow to our relationship and to our financial goals, but the truth is Ive been considering a breakup. I dont know what I really want to do yet .. Im sad and hurt and very concerned for myour financial future regardless of which path I take. In the meantime, Ive agreed to help her pay down her debt by paying more in utilities so that she has more cash for credit card bills. Im not sure what information is relevant, but here is what I am concerned about. We each make about 45k, although much of her income is unclaimed tips because she works as a bartender. Total mortgage loan: 160KTotal payment each month: 1100Remaining balance: 146KIs selling our home even an option, considering weve hardly made a dent into the principal? What are my options if I let her keep the home? How do I prepare and protect myself financially? What other things do I need to consider?Thank you in advance for your help and guidanceedit 1 thank you so much for the responses so far! Adding some more info up here based on the questions I received:- I am not a co signer on her debt. I have no responsibility to pay it. - The only bills with both of our names are the mortgage and utilities. - if I do move out, I will probably want to purchase my own home. My lifestyle isnt suitable for a rental- to be clear, I dont want to screw her over financially. I want to make a decision on the home that is fair for both of us. - its possible our relationship could last another year. Ill keep editing to add more relevant information THANK YOU to everyone who responded so far Edit 2I didnt know this needed to be said but here it goes- This isnt rrelationships .. Ive excluded details about our relationship that dont pertain to financials because I am looking for financial advice. - Saying I am money hungry is neither helpful nor truthful. Ive divulged information in this post that concerns our financial situation, not any other aspects of our relationship. You should not assume that is the only issue with our relationship. HOWEVER, this financial predicament shes put us in is a big deal .. I have life goals that cannot be accomplished by paying off credit card debt for the next 5 years. - the way the debt pertains to our relationship is as follows: it is complicated if we stay together. It is complicated if we break up. I fear for my financial future either way. I fear that I will never be able to trust my girlfriend with financials. We might work things out, we might not. Frankly it is too early in this predicament to make a decision like that. Other than these topics, Id appreciate that further responses stay on topic: finances. - I appreciate everyones posts .. But please dont make assumptions that we are this otherwise happy couple with a little bit of debt .. That is not the case at all.  <response>: As someone who use to be bad with money, be careful putting more of your own money into utilities and hoping she will use the excess on her debt. Far too often I found myself thinking Oh, I have done x small victory, now I can have a little fun and ending back at square one. Its really hard to break that cycle. 