<prompt> Human: Over the last few years my sister has racked up 25k in credit debt at about 13 interest. She has a job and is married with 3 dependents. They own 2 vehicles and rent. They have no savings and monthly sometimes run a deficit. What options does she have? Debt consolidation would help, but it would still likely cause a deficit. Any and all advice welcome other than saying she shouldnt have done that... because obvious  <response>: No. She needs a budget. 