<prompt> Human: So from the title, I loaned my friend money because she needed it for what she calls necessities. These necessities ended up being a new laptop and phone for college, which ended up costing near 1,400. Now, to clarify, she does have a job that shes been working part-time for near 4 years now, so I knew shed be able to pay it back. Me being me however, was bullied into charging her no interest whatsoever. We also orally agreed that shed pay me back on the first of every month so its easy to remember and that if she couldnt pay me on that day, then there had to be communication for any changes. Now, she has repeatedly made excuses as to why she cant pay on the first and its always several days late. She claims that because she didnt sign anything, she doesnt have to pay me on the first. So long as she pays me in full during the month, she doesnt see a problem with it. I want to know whether this is fair at all. If not, I still have the receipts from the purchase of those items in my email, along with the method of payment cash. I was supposed to be teaching her responsibility since in the real world which she referenced a lot, you should be paying your bill by the due date listed. Anything after incurs a late fee or penalty. I dont insist on doing that, but I think that what I asked was reasonable. There was not really any communication, and she decidedly changed the terms on me even though shes not allowed to. Is there anything I can do at this point? Id also like to point out that shes owes me a little over a grand still.  <response>: Id teach her responsibility in the real world by repossessing the laptop until she pays you for it. But thats just me. I think you are going to end up learning more from this experiment than she will. You will learn not to loan your friends money. 