<prompt> Human: I was going to post this to rtrueoffmychest as its more like venting than anything but any input will be welcomed. Roast me if you want.My family doesnt have a culture of responsible money managing and since I started working that I had a hard time with using it properly, until I saw the light and started budgeting in the beginning of this year and after 12 months of struggle Im debt free! Meanwhile my mom kept making bad financial decisions. I tried to show her how cool it was to have a budget and she said that she was interested but never really cared; She lives with her husband and my half-brother so what she does with her life isnt my problem and I never bothered too much. She started dating her husband about 4 years ago after she and her ex-husband divorced. Her new husband was fairly well financially and was probably able to live the rest of his life doing a few freelancing jobs as a web designer just now and then. He had savings, drove an old car and lived in a modest apartment; About a year after they started dating, both sold their apartments and bought a luxurious home; The house had to be furnished accordingly; Then he sold his old car and bought a new one. She adopted 4 dogs from the street then quit her job and started living for the house, dogs and her son. I saw her buying new useless stuff all the time such as branded clothes for my brother, clothes for her, she made a breast implant and a liposuction because she said she was fat she wasnt, and many of my friends commented on how hot she was, she also gave me a lot of expensive clothes and furniture too, to the point that I felt uncomfortable because I knew it was his money. Then after a while she got fed up with the house because it was too big and they moved to an apartment in the capital that was about the same price of the old house but things there are more expensive there. After they moved to the capital, she started to go to college and although the tuition isnt expensive about 1000year, she doesnt work and everythings on him, who doesnt have a stable source of income and his websites havent been selling as they expected.And you know how this story ends: Theyre completely broke. Last month I got a call from my mom, she said they were broke because her ex-husband hadnt paid the child support, her husband hadnt yet received money from a website he had made and she tried getting a 15k loan from the bank but they wouldnt give it to him because they dont have a stable source of income and would need a creditor and asked if I could be her creditor. I was highly reluctant to become a creditor for the same reason the bank didnt want to offer a loan, so instead I said that I could advance her the 200 for the cars insurance that Id give her anyway because my cars in her name and shes the one who pays for the insurance. This money would give them enough time to set things straight, or so I wished.Today I got a call from her, she asked if I could talk. She said that it would be easier if I got the same 15k loan in my name since my records are clean and she would pay everything back. Its a 5 year loan with an EAPR of 13.1. Now obviously I dont want to contract a loan but I want to help anyway for several reasons: Shes my mom, my brother lives with her and she already helped me a lot in the past because of my shitty financial decisions. Her plans werent specific and seemed risky like hell: She wanted a bigger loan than she needed and would leave about 5k with me so Id be able to pay for the months she failed. All the money would come from him selling websites, which isnt stable; and shed keep studying and not working because its the dream of her life and she must finish it but shed help him selling the websites because she worked as a saleswoman for most of her life. Now she didnt even have a plan on how theyd spend the money and when I asked what are her monthly expenses, she could barely tell. I asked her to go through her bank record and create a spreadsheet with everything that shes spent money with since the beginning of the year and to call me later, so that I could try to help them figuring out a way out of this mess. She said she was going to call me at night but its already 11:30PM and I havent received a call yet.Meanwhile I took notes of what she said she spent with utilities, fuel, insurances, taxes, clothes, etc, etc. And they spend about 800month. I put everything on a spreadsheet, and got to the conclusion that they have to make on average 910 each month, during 5 years, in order to put up with their expenditure and the interest.Now I dont know what to do because in one hand, right now, they dont have any money and the bills are piling up. They already cut their electricity last week and my little brother lives with them. Getting the loan is a really really bad idea because not only Ill be enabling bad habits but Ill also risk setting myself on fire too; But if they dont get money soon enough, theyre going to be out of food and the basic stuff.What do I do?...  <response>: Are you willing to go into debt to give a family member a gift? I agree with ushupack - treat as though it were a gift, not to be repaid. 