<prompt> Human: I live in a two bedroom apartment with three other people. Three of us are a bit older at 28, all college educated, and make a decent amount of money but our other roommate is in a different situation. Shes younger at 22, she dropped out of college at a young age and makes 12hour as a barista and is financially not responsible. She offhand will make comments that she basically works to pay rent and puts most of her other expenses on credit which she says has ballooned to 50K over the past few years. As someone who has never even carried a credit card balance I dont even know how to approach a situation like this. Shes a good friend so I want to be able to help her before it gets out of hand and obviously too as a roommate I would hate to get into a situation where she cant pay rent. Bankruptcy?  <response>: If she hasnt asked for help, dont try to help her. This isnt your circus, its not your pony. If it becomes a situation where she cant pay rent, you need to recoup your money for covering her portion through legal channels. 