<prompt> Human: My friend was trying to get into cosmetology school and was short 4000 I opened a credit card zero percent interest to help her. I had better credit and she could not get one in her name. The deal was she would make all payments and take a few months to get her credit better and then transfer the debt into her own name either by a card in her name or some type of loan. It was a verbal agreement and my mom was witness to it. Its been now over a year and she has barley made a dent on the card balance because she has made the minium payments only. After 6 mths I text her that she needs to get this card balance transfered and out of my name. She justs argues back that she still cant qualify and at least shes making the payments. It has totally ruined our friendship. I have MORE than held up my end of the deal and I did this out of kindness to help her. She thinks its no big deal and I feel like its on the back burner for her. IF she continues to make minimum payments it will take another 5 yrs to pay it off. I text her every month and she just makes excuses. Any help on this situation?  <response>: So, my advice is thats your bill to pay. Never lend more money than you can afford to lose. 