I think they believe they will freelance for enough money to pay me back. But, I feel that is not responsible, it's too risky for me, and there are rates which should be payed too. I don't know why I feel so guilty, I would like to help, but I don't want loan hanging over my head for maybe 10 years. I am so stressed in general with work, my depression, child, lack of free time, anxiety and mom's disease, and many other things to have one more worry and source of stress. Yet, she was so casual about it. I think she thinks it's easy for me, I have a job for always, I was never unemployed, and I earn enough I could get that loan. She is also quite sure they will pay me back. But even if they do... 10 years of that! And it was never easy, never, I worked my butt off and worked sometimes so that we barely survived. I struggled a lot to be where I am now and even that is nothing to brag about. When you never worked you have no idea how tough that is, and it's easy to think we just sit in the office and get money for that. It's hard to explain that is not that simple, not even close. I am really tired, I don't want fight with her but I feel like me saying no to this, which I will, will cost me a lot. I am so tired...