<prompt> Human: Background:My family has never been great with managing money, and has almost always been in debt. Ive been called upon for help before and have always done it within reason, but this is the largest amount my mom has approached me about. Before anyone asks, she is a great mother. No drugs, gambling, addictions ect. that are the cause of money problems. This credit card came from trying to help my sister when she was trying to get an education, but eventually dropped out. Ultimately, my mom is asking me to either pay for the debt entirely and pay me back I understand that this is extremely unlikely due to past experience or transfer the balance to another credit card that will offer 0 APR for 12 months so she can start to pay for it. This more than likely will just delay the inevitable.I am 23 years old and am going to make between 110-130k pretax this year commission based. No kids and single. I have about 45k in cash and 15k in a company 401k. Ive been saving to reach 60k in cash and was planning on investing the cash in real estate in the next 6 months to meet some personal goals.My mom has a part time job making 14 an hour and working between 15-20 hours a week. My sister who also lives at home with her daughter is jobless FWIW she is the real problem here, but has been unwilling to contribute for years. My mom has a teaching degree but has had a hard time finding teaching jobs in our area for the past 2 years, however its possible for her to get a teaching job in the next 6 months where she expects to make 50-60k per year.From what I see, theres three options here. Pay for the full amount under the condition that I create a budget with them both and will be actively involved in their finances until the debt is paid back. Roll the debt into another 0 APR for 12 months CC cosigned with my mom and give my mom time to get a better job. Tell them I cant helpTL;DRMom is asking me to pay for sisters student loan for a school she dropped out of. The card was 0 for the first year which is now over. Sister pressured mother into cosigning on the card.15k in total debt 24 APRI have 45k in a savings account and make 120k per yearIm looking for advice from someone who has been in a similar circumstance, or knew someone who was, and can offer some insight into what I should do or consider in this situation. Thank you for reading.Assistant: Help her make the minimum payments until she can find a real job. Tell your sister she cant afford to be a stay at home mom.And relax. Keep in mind any money you give your family will never ever , ever , ever ,ever ,ever ,ever10x will paid back. If you just pay the debt, within 3 years shell be back in the same boat. Why doesnt your sister work ?Human: Her daughter. Thats the biggest reason. Its hard to justify paying a baby sitter and she wants to be the one to raise her. Ive tried to talk some sense into her because shes taking actions that dont make sense for her situation - but she doesnt listen.  <response>: Her daughter. Thats the biggest reason. Its hard to justify paying a baby sitter and she wants to be the one to raise her.Thats something upper middle class and rich mothers get to do. Heres the problem - you on a basic level cant change adults. Adults are stubborn. So whats happening is your mom is taking care of a grown woman who doesnt want to work. I wouldnt put money into this unless the sister is willing to work. 