<prompt> Human: Hi there! Im coming here to see if there are some warning signs that my roommate is in real financial trouble. I know the best way to find out is to ask but he wont give me a straight answer.I moved in with one of my friends and Im the one who checks and gets the mail. My roommate has a sub 500 credit score and isnt doing anything to pay it off. He has two unpaid student loans that have been incurring interest for 3-5 years. He has an unpaid maxed out credit card for the same amount of time. He had claimed to be ignorant of both of these bullshit, I know and I have him advice on how to take care of all of it. I dont think hes taken any of that advice to heart. He works for FedEx and his employer is really three employers in one subcontractors. Hes claimed that the IRS letters are tax returns still coming in from the IRS since he technically has multiple employers. Tax season and return cycles ended a month or two ago, right, or is my roommate going to have himself be hunted down by the IRS due to unpaid State student loan debts taxes Im a financial novice; any advice will be extremely helpful. Thank you!  <response>: Not your circus not your monkey. 