This is what I wanted to say, but was afraid to say because I didn't want to upset the OP or seem like I was shaming the OP. But I agree. There is an obligation to return the money, even if the loaners declined the return. It is the right & ethical thing to do. I am in agreement and feel that it was a mistake to go spend the money on oneself once money came in. Naturally, that will piss people off who then will be reluctant to loan money again. Chalk it up to a life lesson... we all do things that may not be totally right. And now I feel bad for being so honest.