<prompt> Human: So I have an acquaintance who recently got a job. During her unemployment, she mostly lived off of her savings and has very little of it left. She doesnt have enough to pay for this months rent. She hasnt asked me for money, but Id like to help her out. Shell receive her paycheck a week from now, so shed be able to pay me back then.I can afford to lend her the money. But Im really cautious about people using me for money, so I would be much more comfortable lending her the money with some form of legal protection in case she decides to run away with the money, or if she straight up dies in some sort of freak accident and I have no one to receive the money from.Is there a reputable money lending service out there that acts as a middleman? Or is such a service non-existent and therefore I need to compose some sort of contract? If thats the case, how can I make the contract work if we live in different states?  <response>: The general rule youll find around here, is that you dont lend money that youre not prepared to lose. Any service you engage is going to add fees and additional costs on top of this for your friend. Anything like a contract between you two is only enforceable by suing them in small claims court, which will be complicated by the different states aspect. Youre basically looking at a ton of work to set this up, and to try and retrieve your money if something goes wrong. You obviously dont trust this friend enough to loan them money, and itll be a lot easier and probably less damaging to your friendship to just say no, than to try and put them and yourself through this setup. 