Lending money to a friend will be cause for regret. If you really want to help someone, give an anonymous gift of cash. That way, feelings of guilt and resentment won't colour your relationship. Has a loved one failed to repay a loan? If your friendship will continue, it will be necessary to forgive this debt. Remember this situation the next time someone approaches you for money. Do you really want to complicate your bond this way? It's perfectly reasonable to refuse these requests.