Terminate with an additional month to what you ' d pay to finish out the lease , or just , terminate and pay a last month to get out now ? I ' m inclined to assume its the latter , in which case , I ' d strongly advise to pay that additional month , even if you have to pay for it on credit . The hit the debt will cause on your credit will be significantly less than what you ' d go through if you had to deal with collections . I get what you ' re trying to do I ' ve been in a similar situation . You don ' t want to put her out on the street , but you need to put up some boundaries . The thing is , at some point , she ' s going to have to take on that independence , and while you may be envisioning a 5 month taper toward her being able to get out on her own , the risk is that it ' s 5 months of living in a similar situation , and then a few weeks of her finally having to deal with reality .