<prompt> Human: My husband has a childhood friend who recently became a father on purpose. His friend does not have the best insurance and has 14,000 in debt from the hospital and other things. The friend has promised to pay the money back plus interest, but I feel a little uneasy. With my husbands friends lifestyle choices, I doubt well ever get the full 14,000 back. I originally thought it was going to be something like 4,000 in hospital bills and I would be okay gifting that much but my eyes definitely popped when I heard 14,000. I am sure his best friend has the best intentions, but I feel pessimistic about reimbursement. My husbands friend is almost a year into real estate but didnt make any money last month. I told my husband to do whatever he thought was right but I still find myself thinking about it.  <response>: Medical bills are some of the best debt to have, because they often can be extended on a payment plan and generally lack interest rates. Based on your OP, youll probably resent the situation when the friend doesnt pay your family back. I highly doubt the cost of the emotional not to mention financial wellbeing of youyour family is worth the low risk of the friend holding onto this medical debt for awhile longer. 