<prompt> Human: We are recently engaged, live together and know most of each others bills. As far as I knew we were both on our way to successful credit and finances. I come across a capital one letter tucked away in a drawer. I have a card and read thr letter thinking it was mine. Turns out it was my significant others. Upon review the payment has been made in almost 6 months. The stament I read was from the middle of the year. We are right around 11 or 12 months late on her Capital One card. Now I will tell you the balance. The entire card balance before late fees and interest is a WHOPPING ONE HUNDRED ... SEVENTY DOLLARS. 170. WTF. The balance is now around 700 dollars after late fees. I look at it for five minutes and am like holy shit, how dumb??? I will tell you she makes more than I do and we are very comfortable with our salaries so the 170 is doable today and laughable.So she gets home from work, I have the bill out and we talk. She is kind of dismissive and a little embarrassed. Shuts down and reduses to talk about it. I tell her , I understand and tell her my past with credit cards. She agrees and promises to fix it. Okay...That was about 2 months ago. Over the weekend we are cleaning and I come across some more letter. Capital one again and another one from her school. I am in shock, the school one hasnt been being paid for the same amount of time. the school loan is signifanct. 30k.So I bring it up to her. She shuts down. Wont call. I explain to make baby steps and just call the capital one today, a 10 minute call. She hid under the covers from me and just told me to leave her alone go away. Im sure this isnt the right thread , but I hope someone has an answer or how she can get help. Other than this she makes enough money and pays all her bills. Hell she saves 650 a month into her savings. I think she missed the payment once for both , and just is overrun with fear from calling.Im terrified , I lover her, eleverything is great. But I dont want to marry someone I cant buy houses with. Or cars. Tldr;Fiance wont call loans to make payment arrangements and is severely hurting her credit. How can she get help? Am I fucked up for having second thoughts?  <response>: This is an rrelationships issue not personal finance. You need to fix this communication problem. 