<prompt> Human: Hey, I am hoping to get some advice or ideas for my girlfriend who is now in significant debt after trying to treat a life-threatening condition for her cat. Unfortunately we lost our cat over the weekend and shes extremely heartbroken, and no where near the mental state to seek financial advice on Reddit or elsewhere. Our cats condition required emergency surgery at a NY vet hospital , numerous tests and diagnostics, plus an extended and unforeseen ICU stay. We put her to sleep yesterday as it was clear the remaining options were only getting more and more drastic and even in the best case, she wouldnt be coming home anytime soon. In addition to regretting the decision to pursue surgery because it didnt help our cat, my GF is very embarrassed about the financial situation shes now in. Bottom line, the bill from the vet hospital is approx. 20,000. Ive provided about 3,500 to date and had to tell her that was my limit. The remaining balance is about 10,000 on Care Credit and the rest on her existing credit cards I believe split over two cards. She doesnt have any free savings and only a small amount in a 401k. And short of a rich family member stepping in, theres no way shes going to pay off the credit cards and Care Credit any time soon as she doesnt have a full time job. She has a few freelance gigs and a food service job a couple nights - but shes making just few hundred dollars a week. I think shes going to have to really hustle and find a full time job that provides a much better income, but thats not a sure thing and gong to take time. In the meantime, what can she do to limit damage to her credit and the outrageous interest her credit cards and Care Credit are bound to slap her with? My best guess is to try to buy her time by transferring these balances to a new card HER card which offers 0 interest and a 0 or low fee on balance transfers. However I dont think her credit is great, and would be very surprised if any bank is going to approve her for a 17,000 credit line. I feel bad right now, but i can hardly imagine how she feels. Thanks everyone for your help.EDIT: Thanks again everyone for your thoughtful responses. Im kinda tapped out emotionally at this point and probably wont respond to comments. However if anyone has any great ideas for managing my GFs new debt, you are welcome to message me. Thanks Reddit.  <response>: I am sorry for her loss.She signed on for a debt of 20k with little to no spare income?She really needs to understand she cant borrow money that she cant pay back and have little or no repercussions, love or not.Her best bet is to get a better job. 