<prompt> Human: Hello All,So going to make a very long story as short and simple as possible.Details: I am 25 Male, bought a house last year May 2015 with my girlfriend of 5 years. Both of our names are on the Mortgage and title of house.House was 250k. I put down around down 14k, and she put down 6-8k.She broke up with me in March and the plan was for her to move out in 3 months to give her some time to save money and find a place.. Well almost 6 months later she is still currently living with me as a roommate. We arent on bad terms, and so far have handled the situation with no drama. She supposedly has had a hard time saving due to some medical bills she has been paying and cant find any apartments in our area that she can afford. I feel like some part of that is BS, but Miami isnt cheap and she doesnt make that much money so I have been nice enough to let her stay practically Rent free for the last few months. The main reason being that I do not want to stir up any trouble that would cause me to lose the house.My first question after everything was... What are we doing with the house? I have been paying the mortgage and a large chunk of bills credit cards that we inquired from buying the house since we moved in. She first suggested to sell house, but as you can imagine there is no equity in the house at the moment, so selling the house would mean taking a big hit that I am not willing to take. So I told her I would take over the house and pay her back the 6-8k that she put down for the house intially. As I can afford the house on my own and she cant afford it. So here is where the problem is.. I do not have any money saved. Literally all my cash is going to paying off house bills, and said credit cards from furniture we bought for house.I reached out to the mortgage broker we used to do the intial purchase to see if it was possible to refinance. Being that there is no equity in the house, and i have no money to pay for a refinance I am stuck in a sticky situation...I obviously want to remove her from any ownership of the house ASAP mainly so that I know all these months of paying mortgage are not going to waste and that I will not lose the house incase she changes her mind.I read about using a quick claim deed to remove her from the title of house. I spoke to her about this and she said she would be ok with it for now, and It would give me sometime to save up money pay her back to then refinance house and remove her from the mortgage portion. I feel like I am really stuck which is why i havent made a move and have been playing nice in order to not lose the house. Some of my friends have said not to pay her back anything because it was her decision to end things, and Ive been letting her live in the house rent free. Although she does help with a few bills around 3-400 a month and buys food for house.. Mortgage is 1700 Trying to get help on how to proceed with quick claim deed, and writing up some kind of payment plan agreement where I can pay her back the money she put down monthly until paid in full.. I really havent gone to see a lawyer because I do not want to incur any extra cost if it is something I can figure out on my own.Any advice Ideas are welcome.I know for next time Dont buy property unless your married.. At least she isnt trying to screw me over like I have heard many other stories..Assistant: Shed be silly to remove herself from the deed and not the mortgage. Human: She knows it is a risky thing to do, but Since it is her fault that we are needing to refinance she understands and is willing to take the risk. She had even said for me not to pay her back the money she put down, but I do not feel like that is right and just want to have a clear conscious.  <response>: She had even said for me not to pay her back the money she put downIn writing or it didnt happen. 