<human>: Can you provide a brief rundown of the text in within 3 sentences?

Fiance won't take responsibility for student debt, her parents refuse to help her (even as cosigners) because they expect me to pay for it. They gave her a prayer book to help her pay. Her parents aren't financially responsible, they have a gambling problem. Unfortunately, they never taught my fiance anything about saving money--she spends her $11 / hour freely on luxuries (clothes, electronics, etc).

I am a business owner, worked my butt off to have what I have. I am hesitant to help her because she refuses to help herself and also because I'd probably end up getting screwed over.

We have a baby together, but I refuse to marry her until I feel like I'm not being fucked over. I pay for child care and all expenses. Fiance is quite helpful in relationship, responsible in most other ways.

I don't want to break up, but I don't want to be used--what should I do?
<bot>: 24f won't pay student debt, her cosigner parents won't pay it, I won't pay it--what should she/I do?