Today her monthly repayments have soared to 2,800 dollars, yet she only takes home 1,600 dollars.
She should've bought a smaller house.
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Seems to me she was never in a position to buy a house anyways. Of course you waste your money on rent, but a advisor should have told her to not even purchase a house on such low income and a non-fixed rate with questionable credit.
She inherited it.