<prompt> Human: Hi guys. So Im a bit of a lurker, having visited this subreddit for advice before.Im currently a medical school student and my SO just started his first full time job out of school. We are working on living frugally to reduce the amount of loans I have to take out for school. But my finances arent the problem. Its my sister. In the past my boyfriend and I have lent her money, upwards of 300 for things like daycare, groceries, necessities for her and her three kids. Shes a single parent and works full time and was really good about repaying us in a timely manner.Then in January her car broke down and having just received my financial aid disbursement, I paid for her cars repairs after having just paid for her daughters daycare the previous week. These two loans totaled 1450. She said shed pay me back in bimonthly 250 payments till it was paid off. However, she has not done so and since then, shes only paid back a little more than 400.My boyfriend and I agreed to not lend her any more money until she repaid what she already owes.But now shes gotten herself into another bind. She asked for nearly 500. She blames her child support being short coinciding with back-to-school shopping. However, I know that she is really bad at budgeting and does not live within her means--often eating out and buying name brand clothes and toys for herself and her kids, which they dont take care of either. She has terrible credit for a plethora of reasons.When she asked for the money, I told her neither I or my boyfriend had the money, which is a lie. Then she said she was going to take out a payday loan.I really dont want her to do that. I see it spiraling into a habit, which would negatively effect her ability to care for her children and eventually pay me back.She always manages to get by and take care of her kids, and maybe payday loans wont be a habit. But I dont want to be my sisters personal interest-free bank for life. She has been told many times that she needs to be more fiscally responsible but she believes that as long as she can pay her bills when theyre due, she can do whatever she wants with the rest. That means every few months shes hitting up someone for money- myself, our mother, her father. So, financially, is it wise to continue lending money to my sister interest-free without her being able to reliably pay it back? Or does family-first trump my fiscal security? Admittedly, her failing to repay me has hurt my plans on repaying credit card debt.Any advice?tldr: My fiscally irresponsible sisters wants to borrow more money from me. If I dont lend it to her, shell get a payday loan instead, hurting her ability to eventually repay me.EDIT: She found another family member to lend her money. But I will work on finding resources to send her way on budgeting and fiscal responsibility. Thanks guys.  <response>: This is hard because there are kids involved and you are obviously a good auntuncle? and dont want them to suffer.However, your wtf flag was appropriately raised with the back-to-school shopping. Kids dont NEED a lot of the back to school stuff aside from pens, pencils, and notebooks which can usually be had for cheap and your sister should have budgeted better. You dont want to become a crutch she constantly relies on.Dont loan her money. 