<prompt> Human: I bought with my ex wife property which is now my primary residence but, in order to make the downpayment on the loan, we had to borrow 2k from her mom.My ex and I divorced 5 years ago and her sister is busting my balls rightfully so to repay the loan immediately. Up until recently, due to the huge finacial burden I was left with, I was unable to repay the loan at all. Now, according to my ex S-I-L, I now owe her mom 3,000.The original loan was for 2,000 at 6. She is saying that since I didnt make any payments, I now owe 3,000. I think shes wrong but I cant find any loan amortization schedules online to figure this out.Can someone help me do the math on this?EDIT: OK so it looks like she was right. Its just hard for me to swallow since her daughter, my ex, is the only reason Im in this mess to begin with so I guess Im a bit resentful.Thanks to everyone who responded. I need to get this paid off ASAP.To all who responded with actual help : THANK YOU!!! I talked to the ex M-I-L and got a payment plan worked out. My labor for roofing my ex S-I-Ls roof was a 25 downpayment so that helped.To those who came to mock and take cheap shots because finance isnt my strongest suit - eat a dick. Seriously. You people are the worst.Also, for those thinking Im the only one to blame here, my ex and I had several opportunities to pay this off prior to the divorce but she ended up pissing the money away.uKingKid pointed out that the Statute of Limitations ends after 6 years of nonpayment. Although its legal for me to walk away from the loan, Id never do that to her.Assistant: I wouldnt argue; even with a simple interest calculation, it should actually be more than that.Human: Damn. That sucks. To me, I borrowed 2k and now being told I have to repay 3k. Thats 50.The problem was that she borrowed the money from her home equity loan and never made a single payment either, not that she should have but shit. Shes always been really careful with her money too so, even though she borrowed the money for us, I really thought shed make the payments and Id just pay her back. Nope. She let the whole loan go for 7 years. At least thats what Im being told by her daughters, one of whom is my ex wife.  <response>: To me ... Thats 50.But to math, and -- more importantly -- the law, its 6 compounded annually. Dick around another year and itll be 3,187.70. 