My mother (93 with dementia) is living in assisted living self pay 6K/month with 25K left. She is going to be running out of money. Advice?

Talk with assisted living and see what resources they have to guide you through this. I contacted them when my father still had funds for close to 2 years. They moved him to a cheaper apartment. I applied for VA benefits. Talk to the office on aging ad see what options you have.

Unless there’s another person on your mother’s credit card account, no one can collect the money when she’s broke. My mother went from self pay, long term care insurance (a huge waste as it ran out in less than a year) to Medicaid all in the same NH. The business manager of the NH walked us through the Medicaid application process, we didn’t pay anything for the help. It was seamless and went better than we would have predicted. Don’t worry over your mom's debt if your name isn’t attached to it. Her SS will go directly to the nursing home. And a side note, my mother’s care was never a bit different going from self pay to Medicaid. I think a lot of people fear poor care because of Medicaid, and we never experienced it. Wish you the best walking through this