(((Kat))) You are doing all this out of kindness. If only life was fair to kind people. It sure isn't.

Your mom is not too young for dementia. Not at all. If your mom can not cope with living alone, then, basically, she is eligible for a nursing home. That would make her eligible for Medicaid. Debt can be defaulted on. If she has no potential to earn and possesses no assets, then the only consequence of defaulting is that she will get a bad credit rating. That means that she won't be able to borrow any more.

So you must be earning the money that supports your mom and you. Being caretaker and breadwinner is a lot of burden.

If your mom did work in the past, and can't work now, then I would think she could be eligible for SSDI, or SSI. That would be a good place to start. There is no minimum age needed to be considered "disabled." You can talk to a Disability Lawyer for free. I used one of the nationwide firms that advertises on the Internet. Others advertise on the TV. If she does not have enough of a work history to get SSDI, then real disability would get her SSI. Once that is in place, other things would be easier to approach.