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One of the bigger things I noticed is your mention of financial troubles. You guys are 20. You aren't supposed to have money. You are not supposed to "go out and do things". 20-year-olds don't do that. 20-year-olds are broke. 20-year-olds are happy with drinking Max Cola and Wild Turkey.
You are not her daddy and can not be paying for her financial responsibilities. You need to make sure she understands that. If you are already deep in debt and aren't even going to school, you need to make some changes quick because it's only going to get worse.
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