hi there,
i am sorry to hear bout what happened, but i am sure you and your family will pull through this difficult time, financially.
Hang in there, am sure help is around the corner.
RQ
p/s: in my own opinion from frens who dealt with this, i will tell them that a moment of impulsiveness caused by a lucky strike (winning) does not last, and that moment of happiness will cloud ones mind as well as their rational judgement. Try to support her emotionally.