Another piece of great wisdom!

And, when they leave you picking up the tab on the months that they don't have the money, that WILL NOT make them grateful to you. That will make them resent you. Sounds backwards, doesn't it? That is how their minds will work . . . because that is the kind of people that they are. Not just them. That is how most people are. (Even nice people.)

They are going to hate feeling like you have something over them. Oh, not at first. You'll be their hero for a few months. Then comes the BIG CHANGE. They'll start thinking of every way they can see you in a bad light. They'll think of how you practically owe them that car because of this, that and the other screwball reason. They'll start avoiding you. They'll start talking bad about you. If you want to turn then into enemies, getting that loan is the surest way to do it.