[pacaro]

I've always tried to operate this way, loans create an obligation, but for when people are uncomfortable with a gift, I lean towards the pay-it-forward approach.

That's not to say there is no place for loans, but for me it has to be with the closest of friends, and when I've been the borrower, I sure as hell want to pay back, when I'm the lender, I'm much less concerned.

[matwood]

When it comes to things like this, my thought is you don't loan your friends money, you give it to them.