Hi ya'll ppracticallybroke, excellent username!....I have a t-shirt which says 'I started out with nothing, and still have most of it left'
Ultimately - only you can decide what is best for you - maybe look up Edward De Bono's Six Hats (parellel thinking tool) - this could help you explore your dilemma fully, looking at the issues from all angles enabling you to make an 'informed choice' Am sorry to hear about your friends' troubles, - the C.A.B./other agencies can offer advice/support for debt issues. I have experience of workin' in the field of Mental Health - and as others have posted - please advise your lady friend to seek urgent support/counselling.
Some advice I was given recently was -'Follow your bliss' .......I wish you all the best whatever you decide.......