<prompt> Human: This happened yesterday. He hasnt gotten the bill yet but apparently it will be around 30k. We cannot afford this and a friend of ours mentioned declaring bankruptcy. What are our options?Assistant: 1. How old are you guys?2. Is this in the US?3. Do you have any savings?4. Are you planning on any large purchase such as a house?Based on the answers to these and other questions, declaring bankruptcy might be a viable option...Human: I am 21 and he is 24. We are in the US with no savings. He just bought a car from a friend for 3500 with 1000 upfront and 200 payments monthly  <response>: This is likely going to sound cold, but Im going to say it anyway. In a way, you are lucky that you guys arent married. The car and medical debts are on him, not on you. As far as your own finances go you need to establish your own savings and make sure you are insured. If you have a long future together his finances will impact yours . For instance, he may not be able to make his share of rent because of these debts or he may have bad credit. So it is in your interest to help him navigate this process.For now, I agree with the others who say to take a hard look at his income and expenses and figure out whether a payment plan is feasible or not. 