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Um, have you tried asking her what's up? Most people are ashamed of money problems and aren't about to share them with just anyone. You live with her, right? That's closer than her other possible debtors. Talk to her about this and find out more about her situation. Maybe renegotiate terms in a way her other debtors won't, or can't.
Make it easy for her to pay you back. Use your proximity to her for leverage, both in a way that helps and in a way that applies pressure.
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Knowing that death is certain and that the time of death is uncertain, what's the most important thing?
—Bhikkhuni Pema Chödrön
Humankind cannot bear very much reality.
—From "Burnt Norton," Four Quartets (1936), T. S. Eliot
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