<prompt> Human: Hello Reddit!My mother, grandmother, and myself 19f, fulltime student live in an apartment. My mother recently lost her job via layoff, which paid 16 h at 40 hours per week. We were treading water then, and now things are not looking good.Mom will receive 1292 total per month in unemployment, But her expenses are exponential. She has 17k in credit card debt. Minimum Credit Card Payments includeSears: 80 Total: 3429.68, 14.99 APRChase: 28 Total: 2745, 0 APR until January 2018 Key Bank: 250 Total: 10,115.76, 15.74 APROther expenses:Rent: 1450CarRental Insurance: 144.03 I pay the other half, total 288.06Car Payment: 128Home PhoneCableInternet: 148 For GrandmotherDTE lightsheatac: 250Pet Medications: 78.36In Summary Per Month Income: 1292 Expenses: 2556.39 wCC debtMom is seriously considering filing bankruptcy, is this a good idea? Other details: She has 800 in checking, no savings, and rent is due on the 5th. Shes absolutely distraught.Were worried about future things like applying for rent our current lease is up in 6 months, as well as any type of future we might have in buying a house. My car is under her name, with myself as a cosigner, but I pay for it- will this effect my payments? Her current credit score is 750, for reference.My Grandmother is basically bedridden. She is wheelchair bound, sleeps a lot, and watches tv otherwise. My mother and I care for her. Mom handles Grandmas finances, so this could be considered part of her incomeexpenses as well.Income: SS 1340Metlife 70.40Mass Mutual 166.66Expenses: Oxygen 9Perscriptions 0 copay through July, then deductible is met, and no out of pocket costs thereafter Total Income: 1577.06 Total Expenses: 9Me CiaraIncome:Job 1: 12h 24h per week: Take home of 1008 per month after taxes Started this job 3 months ago, which accounts for the low savings. This job is particularly stressful and has very limited job security atm, so Im looking for work elsewhere actively to prepare.Job 2: 11.83 an estimated 12h per week: Estimated Take home of 499 after taxesExpenses: Car 204.15CarRental Insurance 144.06Spotify 4.99Planet Fitness 19.99Cellphone 95.93 2 phones: moms and mineMedical Bill 155 Total Balance of 1250, 0 APR if paid off by August 2018, Ive been paying extra. Total Income: 1507 Total Expenses: 624.12Family Total:Income: 4376.06Expenses: 3189.51Growing up and seeing how much my mom struggled with money, Ive tried to be much better about managing mine. I save at least 20 of each paycheck and currently use Betterment to invest. I have 70 in an IRA, and 750 in savings, with a 699 credit score. I have another outstanding medical bill other than the one above, for another 1000 or so, but it has currently been paused as insurance is reviewing the charges.I want to help my mom, but Im also getting the vibe that very shortly I will have the best credit scorefinancial situation in the house for future purchases, and I dont want to ruin myself financially for my mom at 19. Should Mom file for bankruptcy? For our purposes, Mom and Grandmas income are basically one and the same, thus below Ive grouped their expensesincome. Are there other options to help with their awful debt to income ratio Income 2869; Expenses w CC debt 2487? Or any overall budgetingfuture suggestions for Mom and myself?Apologies for any formattingmath errors, obligatory long time lurker, first time posting :edit: pet medsAssistant: I dont understand the numbers. Can you do a consolidated rollup for the whole family? It looks like you and your grandmother are running a profit, and potentially enough to cover your mothers shortfall while she gets another job. But nobody seems to buy food or gas. Bankruptcy wouldnt necessarily be a great move here, but you need to understand why your mother ran up that much credit card debt. Human: Alright so for the whole family youve got-Income: 1292 1577.06 1507 4376.06Expenses w CC payments, but no food or gas: 2120.03 358 9 624.12 3111.15  <response>: So you could pay back the debt. You just need to manage your money better, and your mom needs a new job. 