I would say something like - has X moved in? That is great we can split the bill X ways now instead of Y. Is she actually officially living at home, and basically using your place to crash every night? It doesn't seem very fair to the people paying the bills.
I think that your concern for her is nice, but it shouldn't influence how you deal with this, and I wouldn't mention it either - different strokes for different folks. She sounds immature, give her time.
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