<prompt> Human: Note: I am solely looking for financial advice for my girlfriend and self, not relationship advice. Meet Colenotphil Im a 24 yo dude who works in marketing, meh salary 50k in Connecticut, USA where there is a high cost of living not Seattle-high, but I would wager in the top 5 most-expensive states. I have slowly been working to get my personal finances in order: 1. I have no student loans, 2. a growing savings account 1000mo, 3. IRA small contributions here and there and 4. 401k 10 2 match 5. Credit Score 780, have never had installment loans 6. Rent 700mo plus utilities, 120mo car insurance, no car loan, I am not the best with money, but I think I have pretty decently-sound financial practices and am working to save even more. I do like to party a bit and probably spend too much on food I do cook in a lot though, booze, and activities. Enter girlfriend Recently I met an awesome girl who I really enjoy the company of. Without going into specifics, I have never had a relationship quite as close as this. We have a ton in common and are very sexually compatible. Weve only been dating a few months, but I feel really good about us. Last night she let me on to just how much she owes in student loans. I always knew it was high, but I imagined like 60k. Its more like 150k, partially her own loans, partially her moms loans. Her mom wants my girlfriend to pay off her moms loans first and put her own on hold, I know nothing of interest rates. I do not believe my girlfriend even uses credit cards, I have only seen her use debit. Here comes the hard to swallow pills: she is a photographer by study, but namely has older equipment she needs to upgrade 5000 easy. She is working nannying jobs that bring in 1000-1200wk max, no benefits of course. Frankly the situation seems rough no matter how you look at it. I dont think anyone has ever helped her much with finances and while I am still evaulating if I want to be with this girl long-term, I want to help her because I care. Ive done research on this sub and it seems the advice is generally: I should not sign for or help financially, we are not married and these were not my decisions she should try to tackle the highest interest rate loan first she should take a job outside photography, whatever pays the bills call the loan issuer and explain her income, negotiate for the lowest monthly payment possible, apparently there is a law if she somehow pays off every payment for 20 years the rest will be forgiven? Public Service Loan Forgiveness PSLF could be an avenue, but Im speculating here I have heard Trump is talking about getting rid of this, and since student debt is so big in the US, there is likely a lot of competition for limited funds, a big gamble that 10 years down the road shell have these paid off right? Some redditors have said parent loans arent your loans, you do not have to pay those, personally I feel its wrong to fuck over a parent like that and not pay it off. Plus my gf lives with her mom and sister so that would probs get her evicted. tl,dr: I have no loans and my girlfriend has 150k for an arts field. What should she do to handle this? What should I do not do?  <response>: It doesnt sound like she has any reasonable plans to increase her income to a point where she can afford these loans. The real question is are you willing to take on her loans while she dabbles, because thats probably in your future. This is rrelationships more than personal finance, but she cant afford her loans. 