<prompt> Human: Warning, long post ahead. My parents are in a financial and medical crisis, and have been for as long as I can remember. My dad works as a security guard at 11hr full time, and receives disability for his Type I diabetes. My mom is unemployed. I am 23 and on the verge of moving out after graduating college and getting my first real job, and I have a 35 year old sister with a husband and no children, and a 36 year old brother with a wife and 3 kids also paying debts. They had 30k in credit card debt because they were using CCs to pay bills and cover living expenses, and after speaking with a financial advisor they consolidated this into a loan against the house. They are in year 2 of 5 of paying this at around 500 a month they didnt tell me the APR, and they have another loan against the house, at 50k at a 12 year payoff plan, also in year 2, and also around 500 a month. This is eating almost all of my Dads paycheck, even with his disability money. My dads insurance covers most of the costs of his insulin and medical needs, and gives limited coverage to my mom, who also has Diabetes type II. However, it is not enough. The copay on her insulin is 100vial, and her recommended dosage is 5 vials a month. Her insurance covers only 50month for prescriptions, so she has been skimping on the insulin dosage because she cant afford it. She developed diabetes in her mid-50s and has been surviving by relying on free samples from the doctor, and through assistance programs what shes on now, but unfortunately she no longer qualifies for it. She doesnt know how shes going to survive until her Medicare kicks in in two years. She also needs to earn 1000 more to qualify for her social security money, so Im going to try to help her find a temp job as a receptionist or mail clerk or something. She cant do retail because shes overweight and cant stand for long periods of time. She held a job at Joanns from 1995-1996, but quit because my dad was prone to bad diabetic reactions and went to the ER a few times. She has since been afraid to get a job because shes been acting as his nurse, so Ive offered to look after Dad until she earns the money she needs for Social Security. Another big issue is the car. My dad had a 1995 Crown Vic in terrible shape that finally kicked the bucket; the transmission died recently. Hes been temporarily using my moms 1990 Topaz thats in even worse shape, and probably wont last more than a few months. It was sitting in our driveway as an emergency vehicle. They dont know what to do about the car situation either; theyve always owned terrible, cheap cars that theyve poured thousands of dollars into only to have them die a few short years later. Also, it complicates my mothers job search because shell have to rely on the bus line. My Dads hoping to retire on his 65th birthday this October. Hes extremely depressed at his job because theyve ignored his seniority and disrespected him by taking him out of the first shift hes had for so many years, and placing him on third shift. It also screws with his blood sugar levels. He comes home every day more depressed and more anxious, and has had to go on anti-depressants because of it. He cant bring himself to stay much longer. Im just afraid that shit will hit the fan once he does, because of their situation. They have so much debt, and not a penny in savings. They didnt cover any college costs for myself or my siblings, either, if you were wondering. Is there anything they can do? If nothing else, it feels a little better that Ive ranted. Assistant: May be time for the siblings to confer about how they intend to support Mom and Dad in their old age. There are not many options for improving this situation except finding work they can do, which might be a long search. Good Luck.Also, excellent cautionary tale. Save redittors, save. Dont let this happen to you when you are 60.Human: I dont think my siblings intend to help very much. My brother finished paying off the 4000 that my parents lent to him to cover roof damage during a tornado a while back, and due to their own poor choices brand new cars, additions to their house, luxury items like ipads and expensive cell phone plans and paying for three children they arent in a position to help. They are also planning on moving out of state in about a year. My sister and her husband may be in a place to help, but my sister doesnt feel like its her responsibility to clean up the mess my parents made. Shes never helped them financially and probably never will.Which leaves me, starting out making 33,000 a year with 40k in student loan debt. Im going to try to help them, but Im afraid it would prevent me from ever starting out on my own.  <response>: Your parents will never be able to support themselves and if you start talking about helping them out now, you will be doing it for the rest of their lives. When they die, youll continue paying for that choice for the rest of yours.I dont know what social assitancepension-type options they have, but Id figure that out so you know how much money will be coming in, and figure out a plan to have them live on that. Help with the odd car repair or whatever if you needwant to, but dont pay for a lifestyle they cant afford. My 2 