To each his/her own. She quit.
500K in debt.
How was she supposed to pay her bills ?
I must know finances more than you. So I guess I will give you a little lecture. When you only have a certain amount of money coming in. Only a certain amount can go out. When you can’t pay those bills, you either have to make some extreme chances or go into debt. Once you are in debt, your credit goes bad. Bankruptcy laws are harder these days. If you are ever able to file for bankruptcy, you have to rebuild with no credit. You can’t even stay in a hotel without a credit card these days.
So that has to be considered.