My boyfriend has ADHD, $50,000 in student-loan debt and no plan to pay it off. Is it my responsibility to step in and help?

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Dear Dollar Signs,

I (26F) live with my boyfriend (27M). He works a full-time job, pays bills on time and is a genuinely good person, but I feel like he’s just living day by day and not really thinking about his financial future. 

He has never owned a credit card and has racked up $50,000 in student-loan debt after earning two degrees. He hasn’t defaulted or anything — I know he stopped making payments when the government paused repayment, but I believe he is up to date on them. He and I are both bad about ordering from DoorDash

DASH out of convenience when we could easily cook or pick up food on our block. That’s probably the most irresponsible spending he does. He’s otherwise good with saving! 

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