<prompt> Human: My sister and her husband are barely getting by. He has an OK job making about 40,000 a year and she stays home and cares for their kids 5 kids now, they just had surprise twins last month. They have a massive amount of student loan debt 60,000 and credit card debt unknown amount as well. They live paycheck to paycheck, trying to figure out what bills to pay. Their credit is probably pretty crappy because they have had trouble paying credit cards on time. I have tried to help them but they are very proud and dont want to let me see the true state of their affairs. I am sure they qualify for many government assistance programs but I cant get them to look into any of them.I have got them started on getting into the Income-Based Repayment program for their student loans which should take their monthly student loan payments down to 0 with their income levelnumber of kids.I have talked to them and they know that they are in trouble but they are just frozen in place, they cant make themselves move to get out of the hole, it is just too overwhelming to them. Ive tried educating them on personal finance, gotten them books, talked to them many times, but they never make any moves to improve their situation. They never really open up to how bad their problems are understandably, they just dont feel comfortable talking to anyone about it.I asked them if they would feel better talking about their finances with a third party rather than with me or the rest of the family. They were very open to that idea. But now I dont know where to turn, it seems like most financial planners are about investing money. What I need is someone who can look at this low-income family and tell them what programs they should be in and which debt to focus on paying down first. Help them get rid of their credit card and get a budget together that they can live with.To make things more interesting, a nice old friend across the street from the tiny little apartment they rent is moving and wants to sell them his old house for a bargain deal but I dont see how they could qualify for any loans. If I had the money I would buy the place and give it to my sister, I hate to see all her kids sleeping in a single bedroom.My brother and I would be willing to help them by putting the down payment down on the house. It would probably just be a gift, I dont want to have money come between the family and I dont see them being able to pay us back ever. But my brother and I both agree that we are not going to be putting any money into that venture until they have ALL their financial issues dealt with. We dont want to get them into a house only to have them unable to pay for it.Can anyone offer advice on what type of financial plannerguide I could send my sister to? Also, someone who could guide a low income family getting into their first home.They live in Portland, Oregon if that helps.Whew, this was longer than I thought it would be. Thanks for reading.EDIT: Probably should have noted that my sister was on birth control when she got pregnant with her twins. They werent being reckless. Moral of the story is the only way to not have more kids is to get a vascectomy I guess even then nothing is 100. Life is going to throw crazy stuff at you whether you are ready or not.  <response>: If its just that they are stuck in a rut, a lot of people find Dave Ramsey energizing and motivating. His advice isnt perfect for everyone, but it does work for a lot of people who struggle on their own. You mentioned that they are very proud. I personally found The Financial Wisom of Ebenezer Scrooge a bit of a wake-up call for changing how I think about money. There are other books that deal with your emotional relationship with money, like Your Money or Your Life by Vicki Robin which is on the FAQ recommended reading list.I think its common for people to not want to talk about personal finance problems with a sibling or friend, because it can be embarrassing. Recommending a book and talking about the book might give you a way to talk with them in generalities, and guide them through decisions without knowing specifics.As far as financial planners, Im sorry but Im no help there. I would say that if you do end up paying a fee-only advisor to sit down with them, you should also arrange childcare or do it yourself so they they can meet as a couple with no distractions. 