$2000 pm in the bay area is a pipe dream and that is what i used ;) a little common sense can go a long way. And if I’m wrong and it is under 82% of their budget on rent cc debt and utilities would be the worst inaccuracy i would have here. Someone spending 90k in cc debt over their income likely made other bad financial choices and cares about possessions, likely their apartment is above average as well so when i say the above understand…. They are worse off than sharing.

If i am wrong in the other direction they are spending $2800 a month on rent and so fucked they won’t even share it. Either situation = bankruptcy. OP has no other choice no matter what you say they did not say. When 1/3 of you income is gone without a bill or obligation or balance in the world being paid… you are in a lot of trouble no way around it.