Associate
So why take a job if you know you cannot afford the travel costs to said job without putting it on a credit card? May I add, like a normal human being to get things done, make an impression and get yourself in a better position.
Unfortunately this employee has now showed the company that she will not take the initiative to get things done and instead will wish to pass the buck to management when it has nothing to do with the company.
Lots of people struggle to find employment. I've interviewed countless people that genuinely need the work that I have not hired and that I know are going to struggle to gain employment anywhere. It's not an easy life for everyone.
Maybe this is the lift that will keep this person out of poverty and bad decisions. Maybe it's not. But in absence of information why assume the worst?