<prompt> Human: My mom has a lot of debt for a single parent. She has a 200,000 mortgage, 15,000 car note, student loan debt Idk how much, no money saved up for retirement, and I know without a doubt shell have medical bills in the future. Shes 55, so 10 years until Social Security kicks in. She also lives pay check to pay check as a hospice nurse. Im 23 and about to graduate college. Im waiting for a job offer for a company I interviewed with but honestly all the debt she has gives me anxiety and Im not even worried about the job sometimes. She could give out any day. I dont want to be selfish but I dont feel like I cant truly live my 20s like I would want to. Plus I have student loan debt myself. How would you approach this situation? And is this situation common among people about to graduate college? Assistant: Not common for student loans, but instead of paying the other debt focus on the mortgage or retirement, but only if you can. Do not set yourself on fire to keep her warm. See about re-fi for her student debt.Human: Thanks for the advice, but she expects me to pay for this. Im not sure how to deal with the guilt of not doing it  <response>: Nope. Nope. Nope. I am terrible with money so I will let the masters weigh in, but nope. If you pay off one you are a rockstar. 