I'd say she's doing pretty good, and we all take a different road to recovery. It's one step at a time in terms of our ability to slowly pull things together. If you love her, then support her, even if her path is different. $30K is nothing in the overall scheme of things - the price of a car. If it were me I would start helping her pay it off, but that's me. It's a big weight for her to carry alone, and if you role model the financial discipline of regular payments, starting with the high interest first, she will learn how to do it.