I'd stick with my plans about establishing my own autonomy and independence, and if it will help to alleviate your anxiety, you can always give your mom temporary housing should she end up losing her job and become homeless.

It might not hurt for her to check into disability and public assistance options available to her due to the stroke ... She may qualify for programs up to and including dismissal of most (if not all of her medical expenses) which may help her with the student loan issues by not adding extra financial burdens to the ones already existing.

With all that being said, I also find it appalling whenever parents divorce in such a messy and nasty fashion that they end up harming their kids in the process! ... Children shouldn't be the ones who end up picking up the pieces of their parent's lives when it all goes to @#$%! ... The parents should do their best to make sure the children are wounded and impacted by it as little as possible!

Sincerely,
Pfrog!