<prompt> Human: Ive tried to explain to her that there is a very good chance I will not be able to pull that sum of money in the time frame given. She lost her way with finances and assumes a high credit score is all you need to qualify for a loan of this size, and with no collateral. Unfortunately, for the past decade she has been self-employed with an in-home daycare so losing the house means her job as well. I dont see this ending well and she is too stubborn and prideful to even have a conversation about what happens if I cant get her the money. Shes in her 40s and Im only 23, so in her eyes Im still her little boy who knows nothing about finances. I fear for the next few years of recovery from this for her and really need a way to get through to her and make a worst-case scenario plan. Shes known about the house repairs required for 2 years and only tells me 2 weeks until the deadline, help me help her understand this isnt the end of the world...but it will be rough.  <response>: I was in this same scenario a few years back in my mid-20s. Mom needed 5k immediately or faced eviction that week. After years of taking on tons of small debts on her behalf, I drew the line. It was tough. She was evicted and has spent the last two years living with friends and family. Im still not sure if it was a loud enough wake up call, but she did understand that I wasnt going to be able to continue to support the both of us. For me, the amount of stress saved from constantly trying to pull 2-3k out of thin air has been worth the difficulty of that conversation.For 20k, I wouldnt think twice. 20k in debt for the average 23 year old is a game changer.In terms of help me help her understand - you cant. You can show her the options but in her head and heart, she knows what she thinks is the right thing to do. In your head or more objectively, when self employment cant pay the upkeep costs of the business, literally any other job will provide a greater net salary. It of course gets tricky when you factor in housing costs in the area, but I would suggest trying to put the right context out there.Good luck, OP. Its a tough conversation. 