FYI re: the debts - are the accounts in your name only? If so, that might provide a very simple explanation for her choice of pronoun. No larger significance whatsoever.
Yes, accounts are in my name only. So, I think you are right. The fact she followed up with "WE" can pay this off , then "WE" can pay this off was presetn as well.
Think I blew this up in my mind. Glad I did not react.
