<prompt> Human: Recently my GF quit her job without having another one lined up, and did so with very little saved. Weve been trying to cut back on expenses as much as possible but she still has a car lease 400month, 2 years left and currently underwater and car insurance 130month that is holding her back. She also has about 20k in federal student loans on IBR right now which her monthly payments are currently zero. She lost her ACA health insurance and also has a financed phone and phone bill, 80month. Shes just about to run out of money and tensions are at an all time high. Despite this, we both have a lot of credit available.I cant help but feel a tremendous amount of resentment towards her right now. Shes basically been doing everything Ive cautioned her not to do finance wise, and now it seems its come back to bite her and shes dug a tremendously deep hole. I have about 4k in an emergency fund, but I have a low paying job and Im very cautious about using it because I dont know if I may need to make use of it in the near future too.Do you guys have any advice for our situation? Were considering posting the car to a lease takeover site as well as craigslist. Having her car voluntarily repossessed is an absolute last resort.Thanks in advance, I really appreciate any input you may have.  <response>: On the plus side, at least you found out now before you put a ring on it.I try to get somebody to take over the lease. 