Is AUTHOR wrong in the post ? POST : I'm going to try to remain as unbiased as possible because I'm afraid that I'm only seeing this from my perspective which comes from a workers background that looks to fix things just by grinding it out.

 
My girlfriends in debt, heavy debt.
+25k student loans (under her name) 
+70k student loans under her moms name (cosign)
car loan that costs around 250 a month 
+2k credit card debt

She's 31, and lives with her dad because rent is cheap. She's able to pay all her bills but without very much to save. 

She went to school for nursing but has had a very hard time passing her boards and seem's to have lost that drive to pass. 
These days she works around 30 to 40 hours a week, generally the former, her job is tied to the nursing world but she isn't making anything close to the income she would if she was a nurse. 
We've been dating for around 8 months now and I really love her, she never really complains about her debt, she more so just keeps it to herself. She doesn't mooch of me, she isn't money grubbing. She isn't gold digging and waiting for someone to take care of her debt, but she also isn't really taking a firm stance in fixing it herself. I brought up things like getting a new auto quote, finding a new cell phone plan, finding a 2nd job, etc. But for all of those answers she throws excuses like, i don't want to deal with all the spam mail that comes with finding new insurance, or i need a cellphone plan with that price because it suits my needs, or there's no way I will get a 2nd job because I will become too depressed.

She says money doesn't matter to her, but I can see that her debt burdens her because it impacts all of her daily decisions. She works a friendly schedule and lives a stress free life to avoid feeling depressed but I feel she is also depressed because she has this overbearing amount of debt attached to her. 

I want to see her grind away, i'd love to see her ask me for advice,  I'd love to see her get mad and want to find a way to at least rid herself of some debt, any debt, her credit card debt even. 
But it's been months between are talks and it seems like nothings really changed. She seems trapped but at the same time isn't showing the perseverance to really find a way out.

Yesterday it got brought up again and we left dinner saying a short goodbye and are now at a standoff. 
AITA for trying to tell her to buckle down and take action, for telling her that she needs to make life easier for herself and come with a strong plan. We've talked about getting married briefly and having a family but it's hard for me to commit to that when she doesn't show any ambition to make life easier for herself. 
I dunno. 