Don't put it off! She is fully aware that most of us pretend that problems will just go away but the sooner you get help the better outcome you're going to get. There is not shame, even if you aren't behind yet but know it will be happening in September, get it all handled now.
Habitual borrowers. They are constantly behind on their bills and payments, borrowing from friends, family and unsuspecting acquaintances. Always promising to pay each back immediately but it never happens. FULL STOP. Take stock on who is doing this in your life right now and instead of continuing the cycle, provide them with the following resources.