My mom is secretly taking loans with 40% interest, and it's ruining their family. How do I help?

My mom is 58 years old. She is a stay at home mom, but has no children at home anymore. My dad is 60 and works as software engineer. <br><br>The problem is with my mom. She has taken out a few loans without telling my dad, and the interest is absurd. I think 40% interest or something like that. <br><br>She borrows a lot of money (to the tune of tens of thousands of dollars) and then she just pays back the interest on the loans without paying any of the principal. She uses some of the money to buy stuff for herself, and the rest to gamble. She almost never wins anything. <br><br>My dad and I both found out just a few months ago. I was really shocked. I had no idea my mom was doing this. I feel so guilty, because I had no idea. <br><br>My dad was very angry at first. He wanted to get a divorce. I talked to him and convinced him that if he left, my mom would be on the streets. Then she would either end up dead, or she would cost him hundreds of thousands of dollars in care. That would bankrupt him, and he would be in a bad situation too. <br><br>However, I think I failed. My dad has taken to locking himself in his room all day. He has cut off everything with my mom except for paying for food and stuff. He pays for everything. He does nothing with my mom, and he ignores her. He is spending way too much time alone in his room. <br><br>He is also her husband. He needs to be a husband. <br><br>I told him this, and he said he has no idea what to do to help my mom. He said he can't do anything. I think he's lying, and he just doesn't want to help her because he's angry. I don't know what to do. <br><br>I have tried to talk to my mom. I have tried to talk to my dad. I have tried to help. I have tried to bring them to therapy. <br><br>I really need to do something to help, but I don't know what. She gambles a lot and asks to borrow money from friends. She owes a lot of people. She owes way more than my dad makes in a year at this point. She has run out of money. She spends all of my dad's money on loans. She has a job lined up, but she can't start for a few months. She feels bad, but she has said she will pay off the loans. She says it may take her 10 years. She doesn't say how she will do it, but she says she will. I think she is lying, and I think she will borrow more money. I think she may have a serious mental illness. I'm scared, and I don't know what to do.