<prompt> Human: 20 female. full time college student, employed part time bringing in about 800 a month. This is just enough to get me by. 0 savings. 700 credit card debt.So last year, I got a routine blood test from my doctor. Nothing special, didnt even end up getting the results lol. ANYWAY, I come to find out that the bill was 8,000. I was under my moms medical insurance at the time, whom I did not live with. Without my knowledge, the insurance company sent her checks for the full amount which she proceeded to cash and spend on who knows what. Now, I am being threatened to go to court and have this amount drastically affect my virgin credit before I even get a chance to build it. This is not fair. Its not my fault. I try to explain to the medical lab that I cant be responsible for this amount, but sadly they said nothing can be done, we must set up a payment plan immediately or it will be sent to collections. The lady told me that the payments would probably be around 100 a month.She is in a world of debt on her own and cannot pay this amount. I really dont want to be paying a large chunk of my paycheck every month for the rest of my life. As you may be able to tell, I dont really know anything about personal finance, so excuse me for any confusion. Im so lost. What can I do? Anything at all? Feel free to ask anything I might have missed.tl;dr. My mother spent insurance checks, and now Im in 8,000 of medical debt.Thanks for your help reddit. 3  <response>: I cant help you here, but the good people in rinsurance should be able to give you some valuable advice. Best of luck 