<prompt> Human: Hello, I am seeking financial advice for my sister and I really appreciate any help I receive. To start, she is older than me in her 50s and has a stable job making 54k grossyear. She has been in debt for a few years and is now becoming overwhelmed and depressed. She wants to get out of debt before she reaches retirement age.She asked me for advice and I honestly didnt even know where to start.nbsp;Her credit score is 657 and has about 15k in savings she wants to possibly use to pay down. Im a bit younger31 and not too financially sound myself, 30k unsecured debt13 is student loans on 70k a year. Me and my wife get by though and I could possibly help out with 500 a month. What are our options? Are there programs out there for people in these kinds of situations? She would rather get one large consolidation loan to have one payment a month but I doubt she could get approved for something so large with everything she has out there so far, or if the interest rate would be worth it. Could I cosign a loan for her, my credit is only 600 but I make decent money?nbsp; Account Account Type Balance Minimum APR Promo Apr :---:------:---::---::---: 1. Credit Card 4,166.08 86.00 13.49 2. Credit Card 4,391.50 67.00 21.990 till 619 3. Credit Card 8,583.40 159.15 29.99 4. Credit Card 10,496.55 300.00 29.99 5. Credit Card 6,676.54 137.00 10.49 6. Credit Card 6,053.50 101.00 13.990 till 518 7. Credit Card 720.93 52.00 29.99 8. Credit Card 0.00 2k limit--- --.--0 till 519 9. Unsecured Loan 6,741.24 416.87 15.15 10. Unsecured Loan 10,337.46 483.42 25.99 11. Store Card 1,457.59 100.00 ? 12. Store Card 8,583.40 159.15 21.990 till 1218 TOTAL --- 65,225.53 1,975.44------nbsp;  <response>: I would get your own financial house in order and debts paid off before financially assisting your sister. 