<prompt> Human: So my boyfriend had mentioned having some unpaid medical bills and cell phone bills, and wasnt sure how to check on their status. I got his credit report and Im about ready to have a heart attack. I have NO IDEA how he could let his financial state get like this. It looks like he has about 8000 currently in collections with various companies, and another 16,795 that was charged off. Its not just cell phone bills and medical bills but unpaid loans. I dont know what hes supposed to do to even start tackling this problem. Hes 27, lives at home, was in the army for a few years and now works a minimum wage job. He wants to attend college in the near future but needs to get his discharge hopefully changed to honorable to get some assistance from the army to pay for the schooling. I dont know how to process this. Its nearly 25,000 he owes.Assistant: Im sorry, hold on, your boyfriend was discharged non-honorably from the Army I know thats different from dishonorable but this still means he fucked up somehow, I am not seeing how youre going to get it magically changed - theres an appeal process, yeah, but it is rare to get a discharge upgrade unless there was some kind of error and is being garnished for child support this only happens if you aggressively dodge payment until your co-parent is forced to literally sue, and he couldnt even be bothered to look up his own credit report and youre focused on fixing his credit for him? Why?? Are you dating this man??? Leave him and date someone with a single shred of personal responsibility???Edit: Er, I should add that since this is rpersonalfinance and not rrelationships, let me clarify that this is in fact financial advice, not just relationship advice: Sinking your time and energy and money into romantic partners who expect you to solve their spending problems for them is just about the single worst financial mistake you can make as a young adult. People who are in a state like this at twenty-seven do not get better. They temporarily improve while micromanaged. This is a financial black hole that you should run away from with all haste. Human: Hey I posted another comment if anyone wants to check it out. I would give myself the same advice honestly, so I appreciate everyone being real with me on this  <response>: Good for you in taking this advice seriously. YOU dont fix this. He does. 