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This person needs to address a lot of issues that for some reason are easy to ignore right now. And opting for a Chapter 7 is typical of someone who is always looking for the easy way out or always looking for someone else to bail them out. This person's lack of responsibility will transfer to you in ways that you may not have not considered yet. Example: You marry this person. You want to buy a house. You, Crompsin, have great credit. Her credit sucks. That's not good, and getting a mortgage won't be easy.
Maybe you don't mind towing the financial responsibility and bailing her out time after time, but I would really think about this. You may become resentful at some point. If someone is young and has this much debt it will probably get worse because he/she is not savvy with money and doesn't care to become responsible.
Just my opinion based on what I have seen other people go through. But it could work out fine for you.
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Quiet, mild-mannered souls might just turn out to be roaring lions of two-fisted cool.
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