Actually, her mom doesn't pay for anything. She does not have health insurance. She may even pay her mom Rent.. but its like $100 a month. And she pays for her own car insurance, she's paid off her car.

But she doesn't have the money to raise a kid...

My parents decided to have me when they couldn't afford me, even after 2 years of marriage they couldn't afford it. I know myself, I will not have a kid until I am settled down!

In the end, this kid could be the motivation for her to better her life... she's never had that and her parents never encouraged her on things she was good at. I try, but she takes it with a grain of salt.