<prompt> Human: So Im 21 just graduated, no debts student or otherwise, and recently got a job that pays around 55,000, girlfriend makes ballpark 30,000 but is overseas and somewhat struggling as she has only just started her job, and has no real disposable income for the next 6 months to cover work costs and housingnecessities. She owes money for her school, which is around 2500, a medical bill for around 500, and a dental bill for 100, Im new to handling collections, and i hear you guys are the ones to ask, I want to know how I can help her rebuild her credit and help her pay off her debts. Please help me Reddit, youre my only hope!  <response>: Whatever you do, do not start taking on her debts yourself. This may seem like a good idea now, but it will create a path of dependency later and likely hurt your credit score. Have her pay the bills off in order of highest interest rates and make minimum payments on each. As another commenter said, consider asking for a payment plan. The credit will take a long time to rebuild. Start educating yourself and her on what goes into a credit score. For now, making at least minimum payments and not defaulting will be enough to not worsen the situation. 