I agree. I think she quit paying. I don't think her parents would make payments for her either. She wouldn't even let them visit her. IMO she was too busy stalking Travis to leave her car for 30 minutes to change the oil and rotate the tires.
She seemed to engage in lots of magical thinking. IMO she figured early after meeting Travis that in a few months they'd marry and she'd have a 4,000sq ft home, he'd take over her car payments etc.
The magical thinking. Oh yeah. But I think it was a function of laziness as much as anything else. She wanted everything on her dream board...exotic trips, a gigantic diamond engagement ring, a flashy car, that big house. She just absolutely never in her life bothered to actually work for what she wanted.
JM nailed her with exquisite percision when he described his vision of her.....a bad waitress in a dive, giving terrible service and dreaming big dreams she'd never realize, because as Travis said...she couldn't get off her *advertiser censored* to get it done.