“I co-signed a $25,000 consolidation loan for my ex. He left after the breakup and now I’m stuck with the entire debt. He sends barely enough money each month to cover a combo meal. I make good money, but this debt is weighing me down. I have text messages of him admitting he owes me, but I don’t have a signed contract. Should I take legal action? Keep asking? Or just pay it off and charge it to the game?”

This situation is far too common—and painfully real. People confuse love with loyalty and loyalty with financial obligation. And in the aftermath, when the relationship crashes and burns, one person is left trying to clean up the financial mess. That person is usually the one with the most to lose—and unfortunately in this case, it’s you.

Let’s unpack this with real talk and sound fina

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