<prompt> Human: Instead of having to pay different peopleplaces back plus interest they want me to get a personal loan so they can pay all the other debts back and only have to deal with one payment. Me. I want to help them but i need advice.  <response>: Seen this before... it can tear families apart simply bc its rarely ever paid back, or at least not in full. Their debt is their problem, dont let them guilt you into their problems. I want to say its their irresponsibility but maybe its medical or something unforeseen idk, good luck! 