Assuming it's consumer credit (and not student loans) then she's a prime candidate for bankruptcy which would wipe out all her loans. She burns her credit scor

Assuming it's consumer credit (and not student loans) then she's a prime candidate for bankruptcy which would wipe out all her loans. She burns her credit score but it's an easy (probably necessary) trade-off to make. She just needs to move somewhere where her monthly expenses are less than her monthly fixed income, and she will be fine (from a financial perspective).