I have problems with handling money too and believe me when I say you are doing her a disservice by letting the situation continue. things will only get worse for her if she doesn't confront it now. I think telling her care team and her mum (if she's young) would be the most helpful thing for her. Perhaps they don't really know how much of a problem money is for her. It could be that the money she owes you is the tip of the iceberg so go ahead and let people know. I think it's the only way you can help her now as well as helping yourself.
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