<prompt> Human: Hi all, this isnt a troll post. However, I post enough on this sub for some people to know this isnt my situation either. I recently had a long talk with a close friend about her financial situation, and it turned out that the shit has hit the fan and is now raining fecal matter everywhere.The situation:She lives in a house she still owes 120k on. Edit: she does have some equity, but I dont know how much - a very small amount compared to the total sum probably. The house did appreciate in value at least. She somehow racked up roughly 70k of debt on various credit cards, much of it due to recent medical bills. Edit: changed work to bills as it gave people the wrong impression. I dont know why she paid for medical bills with a cc either. She still has 50k in student loans for a degree that hasnt really paid off graphic designShe makes under 40kyear and income isnt exactly stable.And she recently had a son with a deadbeat dad whos occasionally home but provides little to no support. And disappears for months on end. Sooo... up until now she had been living on handouts from her parents who are of the generous sort and decently loaded but that seems to have dried up due to some recent drama mostly over the issue of her sons father. It may be a temporary thing, but she quite literally needs the money to survive. Currently shes between paying minimums and defaulting. She had excellent credit.I had no idea it was this bad. Whenever we hang out in our circle of friends, shes decently dressed and doesnt seem to have a problem paying for things. But then again, thats the problem isnt it?I advised her to talk to a bankruptcy lawyer, but thatll still leave most of the student loans. Any additional advice I can relay to her?  <response>: Please encourage her to ensure shes on reliable birth control. 