Depends... if I were attached to that T (seeing her/him a long time) and if I really couldn't afford to pay more, I'd probably take it- or better yet make an arrangement that I'd pay her/him back.

I would definitely pay the highest amount I could afford- just to make myself feel better. Yeah, it's easy to say don't feel guilty, the T wouldn't offer otherwise and it's so true... but some of us just couldn't help it:/