This problem needs specific analysis. If your sister is heavily in debt for some inevitable reasons, such as high medical expenses caused by health problems or other emergencies, then you can consider helping your sister. But if your sister is in debt because of her bad habits or irresponsible consumption behavior, then you need to think carefully about whether to help her.

In this case, you need to consider your financial situation and future plans. If your own financial situation is not very good, or you have your own plans that need financial support, then you may need to carefully consider whether to help your sister. If you decide to help your sister, you need to make a detailed repayment plan and make sure that your sister understands this plan and agrees to abide by it.

Most importantly, you need to communicate frankly with your sister, understand her situation, needs and expectations, and ensure that your relationship will not be negatively affected. When helping your sister, you need to balance your financial situation with your care and support for your sister to achieve the best results.