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I generally think it's better to phrase it as a gift.

My motto, is that people have helped me a lot in life, with time, resources and sometimes money.

If I loan money, I explicitly do not expect to be repaid, and will generally say, pass it on.

Also it's often not the loaner side who cuts off contact. But if the person who receives the loan cannot repay it, and every time they talk to you, they feel guilty and think about it. They might just start avoiding you.