<prompt> Human: So, I got into an accident when I was young, and ended up having an account with 18K. Once I turned 18 and was able to touch that money, I spent a bit of it, and had 16-17k left. Afterwards, unfortunately we had a house fire and mother was in a really rough spot. She had stopped paying off the house and the mortgage maybe a year beforehand because it was under my fathers name theyve been divorced for like 8 years now and she didnt want to pay for something that wasnt technically hers; so the only way for her to keep the house after the house fire was if she used half of the money she got from the insurance companybank to pay off the house, so she did just that. However, that left her with not enough money to re-finish the house. She plans to sell the house as soon as it is finished. She made me open a credit account and has been making me pay for some bills, food, gas, etc. under this credit card, while I pay for it with the money I got from my accident, saying that shell pay me back when she sells the house. However, now she owes me over 15k and theres more money that I owe on my credit card than I have in my checkings. I got a job recently and have been keeping that money in my savings because I need a car soon, Ive been driving my brothers while he took a semester off from school. I dont want to use that money to pay off my card, but I might have to. I honestly wish I never opened that credit account as bad as that sounds. tldr; I need a car and I need to start going to school, but Im not sure how, and my mother is 15k in debt with me. Have more money on my credit card balance than my checkings.  <response>: Never lend money that you want back to family and friends. It usually doesnt happen and because of your relationship you feel bad asking for it. 