<prompt> Human: i have a completely moronic question...my girlfriend and i live together. she is finishing up her last semester of undergrad, and plans on applying for jobs in decemberjanuary.we are open about a lot of things. she opened a department store card last year--her first credit card ever--spent about half of her credit limit, and with school and limited income, was unable to pay the minimum payments. now the card is maxed out from late fees and interest charges, her credit report is probably read: definitely in the tank. i graduated a semester before her, and so i offered to give her money to pay off the dept store card. i found out she is not paying off the credit card, but instead she is ignoring it because of the extremely high interest rate, not to mention the multitude of late fees, and, from the sound of it, she just doesnt want to face the truth.she keeps telling me that she will handle it on her own, but with a maxed out card and late fees stacking on top of high interest rates, i know she cant, she knows she cant, so whats the deal? should i continue to be supportive and ignorant? or confront her? if i am to confront her, is there a nice way of approaching the topic? im typically far too blunt in situations like these...i hate beating around the bush...and it bites me in the asstl;dr: im offering to help pay off her first credit card, but she is not paying it off. should i continue in ignorance? or confront her? is there a nice way of breaking it to her?  <response>: youre not married, dont be foolish 