Thank You but the one thing that I failed to mention is .. We are not married.
The home is in her name only.
We have chosen this arraignment because you never know What the government is going to penalize you for being married.
If the loan is only in her name - and she dies before you, the bank would sell the house... often there’s extra costs involved - could be nothing left when it’s figured out. Might be better to sell the house, buy a smaller place and “do without” almost everything until you get a job...pay off the credit card debt etc..