I’ll give you the facts and you can draw your own conclusions — or call 800-388-2227 for the National Foundation for Credit Counseling.
I suggest you contact the lenders and tell them just what you told me. They can’t collect on her if she stops paying, but it will ruin her credit. so what!! Let them know that she lives in senior housing and they are taking all her SS and they cannot garnish that.
At her death the balances will go away, because this is “unsecured” credit. She will have no “estate” and as my grandmother used to say, “you can’t get blood out of a stone!”