<prompt> Human: She told me on Saturday that she is 14k behind on her mortgage which totals 58k now. They filed paper work that she received just after thanksgiving and she has until the 28th of December to offer a response. She has been talking to a lawyer and he believes that if she can come up with 7k now and the other 7k from a tax refund that the bank will back off.Heres where the problem lies, she has zero income. She quit her job a while ago because of medical issues and management issues, and shes never really had what you would call a career, we always just got by. I thought this was incredibly dumb, but she didnt talk to anyone before quitting. She receives 1,400 from my dad for child support but he was suppose to cease that a year and a half ago and would have liked to cease it this year. And she had no retirement funds at all.I told her she needs to find a job like yesterday, she needs a budget of all of her expenses. I have a list of other information I would like to get such as how much that tax return is suppose to be since she only worked half of the year.Ive talked to my dad and my two siblings, but I am also responsible for my girlfriend and our son. We get by just fine, I have the money but it is 23 of my rainy day fund.A side note, the house isnt worth but 20-30k at this point probably, it hasnt been maintained the greatest and its in a town that is dying. Also the roof needs replaced and that will cost 10k in the near future.I am praying she can find a decent job and I could lend her the money and shed pay me back but I dont really know the time frame on the foreclosure, I asked her to ask the lawyer about the process. I also dont know where she can stay if they take the house. I am the oldest and Ive only been out of school and gainfully employed for a year. She doesnt really have any friends or family to stay with. I need help.  <response>: Heres the real problem:Heres where the problem lies, she has zero income. So, if you give her 7K, it will kick the can down the road, but shell ask for more money in a few months. If you can afford to give her money not loan, actual gift, do so only once she is moving in the right direction. 