<prompt> Human: Boyfriend of three years wants to take out a loan to help his sibling start a business. Even though he does have a stable job but he has student loans himself also owes other family members money. I dont want to stop him from helping his sibling but I feel that hes not being responsible with his money? I need some advice.  <response>: He should only do this if he can comfortably afford to give this money as a gift. If he cant, dont loan it. One should never relay on repayment of loans in their budget. 