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		 Sounds fairly normal. Not everyone has super-successful friends and family. Make it clear that the debt is hers to pay off, but if they are going to be a team, they need to be honest with each other and work out a plan to make that happen. Maybe she needs some financial planning advice? Lots of people have absolutely no clue in money matters.  
 
Why does her mother enter into it? 
		
	
		
		
		
		
			
		
		
		
		
	
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