<prompt> Human: My girlfriend had ependymoma and was on the brink of death for about a year. She was fortunate enough to undergo a risky experimental procedure and amazingly it saved her life. However she now has 200,000 debt in medical bills. What are her options? Should she file for bankruptcy? Should she be seeking professional help from a financial adviser or a lawyer? Shes in a very desperate situation and I dont know how to help her. Any advice would be hugely appreciated. Thanks.  <response>: What is her income? Potential income? Assets? Has she tried negotiating these bills? Has she looked at charities that will help pay for some of them, especially having undergone an experimental procedure?If shes making minimum wage and is not in a field where shes going to be pulling in 6 figures any time soon, has no assets to protect, and the facilities she owes money to wont work with her, then shes probably bankrupt. However, if she can negotiate these bills down to the insurance company payment rates, get discounts on that, and get some help from charities, she could end up reducing the debt drastically to the point where it is payable. 