<prompt> Human: I bought a house last year and moved in with my girlfriend. Shes not on the mortgage and pays me rent. Her student loans are a topic she avoided like the plague every time I brought it up. Well this weekend when I sent her a Google Wallet request for her share of the rentutilities, she broke down and confessed that she couldnt afford to pay me the full amount. So Im finally getting a chance to look at her debt now. I didnt go to college, I dont have student loans. So Im kinda lost when it comes to what type of loans these are and whether or not they can be consolidatedrefinanced. She has told me before that she could not consolidate any of these loans for reasons that didnt make sense to me. Im hoping shes wrong. She has 9 active loans totalling 58,250.46 with interest rates ranging from 3.25-8.68:3 loans are stafford subsidised.3 loans are direct loan, 1 subsidised, 2 unsubsidised.These first six are all from the same lender.2 are debt collectors for loans shes already defaulted on.1 is a federal parent plus loan.Obviously Im going to get her on a budget right away and start attacking the highest interest rate first, which on the plus side, also happens to have the lowest balance.Once the budget is sorted out Id like to try and see if we can save money and time by consolidatingrefinancing these 9 loans into 1 or 3 but... Whats a stafford subsidised loan? Unsubsidised? Direct? Is there any reason why I cant refinance all these into one loan with one interest rate and one payment? Or at least, fewer than 9 payments?  <response>: First, look after your own money. Explain that you need someone who can pay their own way. Explain why this whole situation is detrimental to your relationship with her. Formalize your rental agreement. Next, offer to help her with her money. Call tye student loan servicer with her to find out what options she has. Even with a salary of 144k, I qualifed for income-based repayment and my payments were lowered slightly. I also never missed a payment. Next, your priority will probably be defaulted loans. The loan servicer wont do much for her with loans in default, so if she wants to take advantage of her loan options, shes got to get those current. If you want to give her money for this... Instead of letting her keep all her money, make her pay you rent like normal. Then, next month, use this months rent money toward her loans, only if you havent needed it. Even if it seems like a farce, its a good way to keep balance in the relationship and remind her that you are not Bank of Boyfriend, here to bail her out. Plus, if you actually need it, you have it and are less likely to resent her as a drain on your finances. 