Just found out my pregnant fiancé has $28k credit-card debt at 22.9% APR. Now what??

Just found out my pregnant fiancé has $28k credit-card debt at 22.9% APR. Now what?? This is obviously very shocking to me. I realize the gravity of the situation but she is oblivious. She has been paying just interest each month which is approx $550. Furthermore she is still using the card for expenses here and there including monthly subscriptions. Of course I told her that we need to cut the card up right away and stop all us...

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