<prompt> Human: My friend needs 6300 immediately for cancer surgery. I decided to help but I dont have that much in my savings at the moment. The only thing I can think of is taking a loan or go in person to use my credit card to pay for the surgery. I dont know which one is the best option. I have a chase bank account and discover credit card.I was looking at discover website and it seems like they can approve loans quickly and make it available quickly too in a day, I think. Is this a good option?There may be some medical expenses after the surgery too but Im not sure how much. But I want to focus on the immediate expense for now  <response>: While you have a very kind heart I would strongly advise not taking on debit for this. Im not trying to sound cold hearted. Just being objective for you. If you dont already have the money then you are not in a position to help. There are many different ways you can help your friend beside taking on debit and putting your financials in jeopardy. Instead, I would recommend you do one or all of the following... Go to one of the fundraiser sites and start a fundraiser for your friends cancer surgery. Socialize it out via Facebook, Twitter, etc. Research various organizations that help people pay for surgeries. There are many out there. Work with the doctor practice and negotiate the cost of the surgery. Believe it or not, you can do this and more often than not you can get the cost down a little. Also work with the doctor practice to see about your friend being able to make payment on it. 