<prompt> Human: I have a gf of 1.5 years. She has no idea how to handle money and doesnt really make that much. She has a lot of debt and has no hope of recovering quickly by herself. I have a credit score 700 and make decent money.Details:She makes 10 an hour, typically around 30 hours a week. She is currently looking for a different job.She has a 4 year old son who has some disabilitiesnot mine. She blames his problems on CMV when he was born. Effectively hes where I would think an 18-24 month old should be at 4 years. He is mostly deaf in left ear and poor hearing in right. He doesnt talk and barely understands what you say. He is not potty trained and still in diapers. He has seizures regularly. She is trying to get disability but nothing has come in.She has 4 student loansyes 4 but no college degree. One was for schooling for becoming a pharmacy tech, passed the course but failed the test 3 times. Another for ITT tech which she dropped when she became pregnant. Another for Ashford University which she didnt complete due to taking care of her son. And yet another for another online school that she dropped when she was getting a divorce from her ex.She has an eviction on her record. The story from my understanding is she was living with her ex husband, they were both on the lease, she separated from ex, she moved back to her parents house, he stopped paying the rent, was eventually evicted, eviction was put on both their records since both were on lease.She has a car that is paid off but is in dire need of repairservice engine light, service car light, brake light, abs light, traction control light are all on. She tried to buy a different car but ended up getting fired from her job and got behind paying for ithonestly I dont know how she expected to pay it with her job but I was too new to relationship to really get into financial details as a result it got repo-ed. She used to have another new car but her father was driving it and got into an accident. It was totaled and they didnt have gap coverage and from my understanding the loan defaulted because the totaled car was not worth re-possessing and according to her it was not worth paying since the car was totaled. I dont know of any credit cards or similar debt she has. Not saying she doesnt have any just that I dont know of any.All that said I dont know her exact credit score but with 4 student loans, an eviction, 2 car repos, and whatever other minor debt she accumulated.I on the other hand have a 730 credit score. I do have about 3 4 grand in credit card debt that Im working to pay off due to extenuating circumstances. I make about 23 an hour, live in an apartment that I pay basically all the expensesI do have a room mate, long story, he doesnt pay as much as he should and will move out in 4 months. I afford my lifestyle with a comfortable buffer.Is there any hope I can help her recover if I take the relationship more seriously? I will obviously have to be the one to handle the money and make the budgets and everything but is this recoverable? Is her situation so far destroyed its helpless to try to help her? If her situation is not recoverable is it possible to live off my credit alone without bringing her credit into the equation? We are not planning any major purchases which would require credit I am just forward thinking. Based purely on financial situation is this a horrible decision to get myself intonot looking for relationship advice just financial?TL;DR - Am I fucking myself by getting fucked? :-D  <response>: He has seizures regularly. She is trying to get disability but nothing has come in.Huge WTF moment right there for me. That should be worth something... She has 4 student loansTotal amount owed, interest rate, and minimum payment are all we care about. She has an eviction on her record. The story from my understanding is she was living with her ex husband, they were both on the lease, she separated from ex, she moved back to her parents house, he stopped paying the rent, was eventually evicted, eviction was put on both their records since both were on lease.Shitty, but not unusual. The car stuff sounds like she was just making terrible financial decisions in terms of what she bought, and it cost her. I dont know of any credit cards or similar debt she has. Not saying she doesnt have any just that I dont know of any.Seeing as CC debt is second only to payday loans in terms of how dire of an emergency it is... If you want to help, thats a good place to start. I on the other hand have a 730 credit score. I do have about 3 4 grand in credit card debt that Im working to pay off due to extenuating circumstances. Heh, pay off your own credit card debt. Thats probably costing you way more per year than her student loans. I afford my lifestyle with a comfortable buffer.No, if you had to use a credit card for something and didnt have an emergency fund big enough to cover it, you were not affording your lifestyle and most certainly did not have a buffer. You may have a cash flow buffer, which is not the same as proper budgeting. Her issues are her spending, not her borrowing. 