<prompt> Human: Im 23 and my parents had me later in life. Both receive social security totaling 3,000. Since I graduated Ive been paying whatever their ss doesnt cover. Im losing money paying their bills -Ive given them over 10 grand already. I dont know what steps they should be taking now and they dont either.They have about 30,000 in credit card debt and the payments are about 550 a month. At first they thought about moving but I doubt theyll find anywhere cheaper mortgage is 685 a month plus 210 hoa . i was dropped from the family Health insurance once I graduated but the insurance said they would not lower the per month cost since my brother is still on the plan. This bill is the biggest 921, but theres car insurance, home insurance, cable they refuse to drop this and honestly they dont do much but eat and watch tv. I have heard people suggest filing for bankruptcy, reverse mortage, my parents want to do a home equity loan but at this point that will just go to the credit card bill and I dont think it will improve anything. Were in florida if that changes anything. I just feel so out of my depth and I dont know what direction to go in. Is there any advice for this situation? Okay edit: holy shit thank you all for responding. Im slowly reading through comments, I guess Ill try to answer some common stuff up here 1. I do plan to stop paying, I set up a budget for them months ago and they didnt cut back or change their lifestyle. This is just so I can offer them with advice. 2. The scary thing is my parents do have small part time jobs. mom hasnt worked since I was born, but right now she pet sits for friends thought that amounts to maybe 50 a month. Dad works at the grocery store and they cut his hours recently so he gets maybe 200 a month.3. The health insurance said because I was no longer a student I wouldnt be covered so I was sort of forcefully removed from the plan.4. Before I started voluntarily giving them money, my parents were taking money from my brothers account since they had access. They took almost 7000 from him. I dont want him to have to think about any of this, hes 21 and he worked hard to get scholarships and is paying his way through college like I did. So I wont involve him any more. 4. My dad is 76, mom is 62. He is on Medicare but I have no idea how any of that stuff works so when he told me what the bills were at first I just assumed that was already the only option they had. When Im home tonight Ill post concrete numbers of the bills I consistently pay. I have access to their bank account and I send out all the payments after I transfer my money to their account. Thanks again for all the advice, I feel like an idiot for not figuring this out sooner but I was just nervous to look into this at all for a whileUPDATE: I am not feeling like a good son not that I could, its 2018 and yall assumed my gender. I have an older half sister that I confided in as a result of all this, she lives nearby and wanted to meet with my parents and I to help us plan finances. I told my parents and asked them to come with me. This was a very bad move. Lots of drama ensued but this is personal finance not personal drama. Parents said bankruptcy is morally wrong and they will never use that option. They are going to sign the home equity loan. I told them if thats their choice I cant offer them any more money once I disentangle myself from their bills. All I can do to help them now is remove myself from their bills. Im very disappointed in all 3 of us for not being able to work together cooperatively. Thank you all for your advice, I just have to worry about my own budget now.  <response>: Unless you have a high income, you probably cant fix their issue. They need to make whatever adjustments are necessary so that their cost of living does not exceed their income. This may include budget cuts, such as switching to streaming only, moving to a small 1 bedroom or studio apartment, selling things, etc. It also may having them do things that can generate additional income, such as getting a part time job. If their over a certain age, they may qualify certain help from the government. I dont live in Florida, so I dont know the specifics. Contact your local senior center and they should be able to point out some additional resources. 