Girlfriend having money troubles and I've been asked to help
I (40M) am in a LTR with a woman (44F) and facing conflicting feelings. She currently has a part-time job but is broke. She and her mother live together in a small home 40 minutes away from me where I rent a 1BR apartment. We want to get married or at least live together, but due to circumstances haven’t. Her ex, whose name is on the lease, has helped her with rent a couple times in the past year. I have two hourly jobs, one FT, one PT, so I get by okay but I don’t feel that secure in either job.
In the past six months she has asked me a few times now if I could help out with rent. I do love her a lot. Financial problems aren’t new to her and I lent her money once before. She eventually paid it back but this time around I’m not confident she’d be able to unless she gains FT employment. (I don’t want to make excuses for her, but there are legitimate reasons it’s been difficult for her to find work).
I feel like a jerk for not helping out, but if I lend money and another month goes by and she’s still in the same situation, I’ll feel like I threw hard-earned money away. She’s been getting some public assistance but has not taken full advantage of possible services, particularly (frustratingly) career counseling through the EDD. If it comes to her being evicted, I’d do my best to help her find shelter and I’d hope that would lead to programs that can help her find work. She is college-educated, and bright and kind. Her degree is in English.
I’ve heard different opinions and though ultimately I know it falls on me to figure it out for myself I just feel at a loss, like there’s not even a happy medium.