<prompt> Human: My sister called in serious distress over her current financial situation. She says they will be homeless with no money for food in less than three months. My sister is a schoolteacher. I think this all started a year ago when her husband quit his teaching job right after their wedding. He still hasnt found another job. They live in Washington state. Ages: Both 25, graduated college in 2013 Occupations: Sister is a schoolteacher, husband was a teacher but has been unemployed for a year Theyve been together for six years, married for one. They are both Catholic so they only started living together after the wedding. Income: 2400month Monthly rent: 1260month Utilities: 150month Phone, cable, and netflix: 150month Food: 300month Gas: 250month Therapy for depression: 15month SSRIs: 50months Credit card debt: 550month for 3-5 years Undergrad student loans: 600month for 10-15 years income-based repayment Masters student loan: 6600 total For the second to last two, my sister and her husband arent familiar with reddit and he wasnt comfortable listing their exact debt balance and interest rates online. She is also starting a masters in music education program over the summer that will last three summers. Its supposed to give her a pay increase when shes done with it. My mom bought them a new car in 2011. She mom has 4k left in payments and it has 60k miles. They have another car they bought used, and it needs coolant and a new headlight and mirror. My sister thinks she makes too much money to qualify for foodstamps and other benefits we probably dont even know about. She owes 150 in medicine that she cant pay, and debt collectors might come for it in 10 days. Neither of us really know what that entails. Im extremely worried about her, and I feel really sorry for her. We had a traumatic childhood where she took the worst of it, and she had a traumatic time in high school. When she got married, it was supposed to be like a new beginning for her but things got worse and Im sure she was totally blindsided by it. Shes been so depressed before she was practically catatonic, and I think shes attempted suicide before, not really sure. Please help me help her. TL;DR In addition to title, depressed schoolteacher sister has supported her and her spouse for the past year but they ran out of money a long time ago. She thinks she makes too much to qualify for any type of benefits, so looking at their expenses, what can they do? edit: Her husband literally just got a job, like just now as I was on the phone with her. Warehouse job, 10hour 40 hours a week. Assistant: Quitting with nothing lined up and high debt is kind of a red flag... Are there other issues? If hes not willing to work thats a huge problemHuman: In my opinion, yes. So to put this in perspective first, during the year they both had teaching jobs, my sisters students would give her such a hard time that shed often call me bawling, once even pulled over to the side of the road bawling because she couldnt bring herself to go to work. She took a lot of sick days where she was sick with depression. When her husband quit his job, he told her it was so he could be there for her even though she told him the way she needed him to be there for her was financially so she wouldnt have to kill herself so they could afford to live. When I found that out I was livid. He told her he quit his job because of her depression, when my sister for the most part works through it and on the days she cant, its because she really actually cant. Whenever she brings up their money problems to him he shrugs it off and does the whole Itll be fine or Well figure it out and thats it. Just words, no action. Today she told me that even in this much of a whole, he still didnt see the need to at least talk to their rent lady to see their options. The last red flag is that when he quit his job, hed play video games and watch youtube all day instead. He was supposed to be starting a business to make up for the money he turned down.  <response>: If I quit my job when my wife was depressed about work and her loans, you can guess how many pieces you would have found of me...That said, in my experience, I have found two things to be universally true. 1 people who put their interests before others and dont know how to sacrifice for those they love do not change 2 people who love people like 1 do not change. You seem very upset for your sister and have some good reasons, but ultimately this is not your business - if she isnt taking drastic measures on that front, you will likely only aggravate the two of them by pressing this issue. Only help her with what she asks of you.On the meds, check if there are generic versions or similar. I know people who take celexa instead of lexapro for example because it is the racemic but mixed molecule for like 10month. Ymmv. 