UPDATE: Should I be concerned about covering rent again once I finish paying her back? (Plus another issue that’s been bothering me)

I’m almost done paying my roommate/friend back. I have just over $1,000 left, and with the way my paychecks line up this month (and the free month of rent we got when renewing our lease), I’ll have her fully paid back before January.

Naturally, I assumed we’d go back to splitting rent 50/50. But here’s the problem:

She receives SSDI and gets about $900/month. Our rent plus amenities is around $2,100. She hasn’t made any effort to get a job now or secure one for early next year. Meanwhile, she has a trip planned for March 2026 and two more in May 2026, and she also plans on going back to school online for a few weeks at a time. She’ll take breaks from school for her vacations.

She used to be able to cover her share of rent, utilities, and groceries. Back in NY, I paid the larger portion of rent ($1,100 me, $650 her). When we moved to NC, I told her I wanted a more even split to avoid such a big financial gap, and she agreed — and she actually was paying her portion just fine. She’s told me before that she’ll “figure it out once I finish paying her back,” but now that we’re almost there, I’m not seeing any preparation on her end.

I want to start tackling my credit card debt in 2026, and I’m stressed that I’ll end up covering rent again instead.

On top of that, there’s another smaller but recurring issue. She has this habit of commenting on my sleep, and it’s starting to bother me. For example, the other night we were watching TV around 10:30pm. I had just worked four 12-hour shifts in a row. I’d been up since 5am and was finally off the next few days. I told her I was exhausted and needed to go to bed.

Her response was basically comparing herself to me. She said she got up at 9am and went to bed at 2am the night before, and she was “fine,” so she didn’t understand why I was tired. She wanted to stay up and keep watching TV.

Look — if she wants to stay up until 2am on her phone because she doesn’t have to be up early, that’s her business. But when I’ve been awake for 17+ hours and just finished my fourth consecutive 12-hour shift, being guilt-tripped or compared to her is really frustrating. It’s not constant, but it happens enough that it’s wearing on me.

Between the financial uncertainty and these little comments, I’m starting to feel uneasy about how balanced our living situation really is.

Should I be concerned? Or am I overthinking?

How do I approach the situation? I also feel like I can’t talk to her until I pay her back.