<prompt> Human: I live in Chicago and my brother needs two root canals after his teeth basically rotted away. He tried opening a credit line for himself but he has bad credit and so they denied him. He tried asking me to open it in his name but I refuse because he seems to be struggling with his finances at the time hence the bad credit. Im thinking if directing him to take out a personal loan from the bank but are there more options for him?Assistant: Smart decision. If you are generous and able you might gift him the money to take care of his teeth. If he has bad credit and cant get credit, he may have to negotiate for payments with a dentist or look for a low-income dental clinic that can help him.Human: Hes an idiot and I already let him know that I can lend him the money to pay a portion of it and he can start a payment plan for the remainder but hes stuck on the dude, I just need you to get approved for the credit and let me take care of the payments  <response>: dude, I just need you to get approved for the credit and let me take care of the paymentsThe only things hell take care of is free dental work for him and running your credit into the ground. 