<prompt> Human: My girlfriend 23f is a college student, and works part time in retail. She used her financial aid to cover living expenses and car payments while she was in school, and had to work about 10 hours per week during the school year to cover the rest. She is off for the summer now, and goes back in late August.We do live together, and I cover all the housing expenses, utilities, groceries, and household items. Her bills are basically her car payment, gas, and incidental type stuff.She is working more now that it is summer 20 hrswk, and has requested more hours but there are only so many to go around. She is behind on a car payment, and I dont see any way for her to catch up until she gets her next financial aid refund probably in September.Here are the bills she has over the summer:May car payment late - 320Registration sticker late - 120June car payment June 20th - 320July car payment July 20th - 320August car payment August 20th - 320Her income:Paycheck June 13th - 250Paycheck June 27th - 250Paycheck July 11th - 250Paycheck July 25th - 250Paycheck August 8th - 250Paycheck August 22nd - 250Her expected income is 100 more than expenses. But I didnt figure in the cost of gas or any other spending. Also her dads birthday, fathers day, and several of her friends birthdays are in June. Shed like to be able to buy them gifts, and go out with her friends on their birthdays, but I just dont see any money for that. Getting a 2nd job is unlikely, because she will have give it up when she goes back to school in August.She is expecting an increase in her financial aid next year since shes 24 and independent now. Her refund should be about 5000 per semester if she takes the full amount. I dont have much extra in my budget to help her out. I do have a lot of available credit on credit cards, but Im really hesitant to use those, and Im not sure if you can even pay a car payment on a credit card.I dont really know what to do to help her out. Is she doomed to be broke for the summer? Any tips or advice you guys can give her?Assistant: Details of the car she financed? It may help alleviate her financial burdens by getting rid of a financed car and buying an A to B crap car.Human: Its a 2007 or 2008 Pontiac G6. I think she has less than a year to pay on it before it is paid off.Assistant: I see. Also her dads birthday, fathers day, and several of her friends birthdays are in June. Shed like to be able to buy them gifts, and go out with her friends on their birthdaysShe can get them birthday cards. I do have a lot of available credit on credit cards, but Im really hesitant to use those, and Im not sure if you can even pay a car payment on a credit card.Yeah, dont use credit cards to help her. Also, car payments require direct deposits from bank accounts andor checks.Human: Its a tough situation, because her dad and stepmom always put a lot of thought into the gifts they get her, and usually get her something nice that she can use or has been wanting for a while. If she just gets him a card and nothing else, it will kind of seem rude. Shes crafty so she could make him something, but even that costs money for supplies.Her friends dont really need gifts, but they always get together and go out to dinner when one of them has a birthday. Its kind of embarrassing to say you cant go cause you dont have any money.  <response>: Its kind of embarrassing to say you cant go cause you dont have any money.To be blunt... too damned bad.Time to grow up and live in the real world where needs come before wants, and wanting to go out because its a friends birthday takes a backseat when theres an empty fridge in the kitchen. 