What do you think of this?

my friend is intentionally foreclosing on her home, has major cc debt, she is in forebearance on student loans, and the list goes on. She has a bachelor degree in financing for goodness sake and works at a convience store . I try to give her advice and she won't listen. She wants to take out more loans to go get a masters degree and doesn't use the one she has.

What do you think her financial future will be within the next year ?

Think she probably has gotten behind in debt & perhaps is overwhelmed with the thought of trying to fix it or keep up with it so has decided that she will just allow foreclosure to happen in order not to deal with it.
Or she is hiding a smart cookie, does not really want the house anymore & will just file bankrupt. in the aftermath of everything & not owe a dime on all the loans she has accumulated... not that being a financing major she would know how to do anything like that... just a thought.

hope that is not true.

Dose she have kids, or a family? If not you need to recommend she moves back home with her parents and takes a internship or goes to work for a bank as a teller and work her way up. These days you need both the paper and the experience. More student loans wont be the worst thing in the world but she needs to be motivated in her field.

I have a financial consulting firm what state is she in?

Ryan@robertscreditgroup.com

Sorry Hon not saying anything bad about your friend but I have ran into this a few times.
They are what is called Book Worms,Very Smart but on the other hand don't have a lick of sense.

She is going to keep on until messes her credit up so bad they will not let her have a school loan.

If she is still young she might just declare bankruptcy and start fresh as if you go bankrupt you are given a fresh start.
After discharge she can start rebuilding her credit within two years with secured credit card or a loan. More thatn likely her finances are already shot and her credit is pretty much screwed and sees this has her hope. Her future might not be bad as you would think because after the discharge of bankruptcy she can start rebuilding her finances which I believe is her intention. If the house is already up for foreclosure chances are this is the direction she is headed as the primary residence is the last asset the people will give up before declaring bankrupcy.