Dear DJ. I hope with all my heart that you'll not be so hard on yourself, no matter what choice you make in the long-run.
Your mom should understand that she made a few mistakes in her life and that it's NOT her children's responsibility to fix them. She's the adult in this scenario and should act accordingly.
One should not pressure the children into feeling they should drop everything to ensure the comfort and convenience for something they had no power over in the first place.
She did not ask you permission when she picked your step-father; did not ask your permission to marry him; and certainly cannot blame any one of you because this relationship put her in a situation she is in now.
It's a parent's responsibility and duty to be there for the children, not the other way around. If she has to blame someone, she should have a good talk with your step-dad, and/or a lawyer to take care of financial issues instead of making you bear the burden of her frustrations.
I know this is not helping you get the issue solved, but you needed to know that you are not responsible for your mother's choices in life.
Wishing you the best with all my heart, Chery
