This isn’t about grieving, just assuming the complete absence of your family and all the inheritance.
I’d pay off my medical debt and go back to university. I’m so tired. I just want to learn and stop struggling. I don’t even qualify for my own debt so I have to have it in someone else’s name, being bound to an abuser…
Sometimes it’s not about being able to afford.
Aside from that, I can have an extremely poor family and yet still personally have a job that allows me time off for grief.