Your life choices have made you into a hardworking, mature individual who has benefited from being frugal and studious. Don't let your sister ruin your self image. You've worked hard to get to where you are in life and you've obviously made the right choices in your life. Your sister has done just the opposite and is reaping the rewards of her choices. She is jealous of you and obviously feels that you should be helping her out and paying her bills. Don't fall for her plan of getting you to take care of her. She made her choices, as wrong as they were, and needs to settle for the bad credit and not having any savings. I know this is the time of year when we're supposed to help others who are less fortunate, but we want to know that their poor choices are not going to be repeated and with your sister, you know that she will continue to make bad choices and blame others for these choices. Don't let her do this to you. You've earned what you have gotten, and so has she. You aren't responsible for the rift, she is and she is the one who has to fix it. She has got to learn that you are not going to bail her out every time she makes a poor decision. She has to learn to deal with the consequences on her own. Once you see that she has gotten the message loud and clear, then you can pitch in and help her. But, for now, steer clear of her and let her take care of herself. When she tells others that you are responsible for the rift between the two of you, hopefully, these people know you well enough to know that what she is telling them is a lie. Take care of yourself and your family. That's your priority right now.