<prompt> Human: Update: After weighing her options and how to get her back on the right track. We decided to do something that is not popular on this sub: File Chapter 7 bankruptcy. This will not only give her a swift kick in the butt but reset her finical life. Ive warned her that any further activity will result in our relationships termination. My girlfriend and I have been in a relationship for 10 years. We keep our finances separate. I noticed she had been spending a lot so I asked to look at her accounts. Shes nearly 20k in credit card debt plus student loans. She makes roughly 1300 a month which means she is making less than her bills. Im not sure were to start to help her recover. Bill Monthly Balance Interest---------------Rent 500 NA NATolls 100 NA NACar insurance 100 NA NAGroceries 200 NA NAGas 70 NA NABest Buy Card 93 5299.58 26.24BBY RZMC 73 2392.42 23.65Chase 1 78 3492.51 15.24Chase 2 25 483.62 23.99Target 58 1962.73 23.65USAA 100 4568.38 14.65Student loans 36.06 37132.02 deferred  <response>: Dont pay it off for her, my only advice 