<prompt> Human: My 19 year-old roommate was recently hospitalized for a week and received a medical bill totaling almost 110,000. Shes in college and her parents arent really in the picture they suck. She is still pretty shell-shocked. What should be her first steps in addressing this bill? Any advice is helpful. Location: Florida, U.S.  <response>: Didnt have insurance? Talk to the hospital. If theyre unwilling to settle contact a bankruptcy attorney. She likely has little to no assets and while she cant discharge student loans, shes basically judgement proof. 