<prompt> Human: I am not aware of how she got into this situation, and only recently has she asked for advice about her problems.She is a school teacher and pulls in less than 70K before taxes. I would like to help her, because I can see the affect the stress is having on her. She is 58 and would like to retire soon. How can I help her?Ask me questions and I will get my mom to answer them when she comes home.  <response>: That cc debt is probably earning piles of interest alone. Take care of that before anything. Her lifestyle needs to change, a lot. 