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"  A close friend recently asked me for a small loan, but she&amp;#039;s been known to borrow money and never pay it back. I don&amp;#039;t want to seem heartless\u2014how can I politely tell her I don&amp;#039;t want to do it? All that&amp;#039;s required is a courteous &amp;quot;I&amp;#039;m sorry; I just can&amp;#039;t do that right now.&amp;quot; P.S. Loans between friends rarely work well, so your hesitation is understandable. The best way to handle it? Be direct while also being kind and sincere. Try: &amp;quot;I&amp;#039;m really sorry, but I&amp;#039;m not in a position to lend you money.&amp;quot; Then ask what&amp;#039;s going on in her life and see if you can provide nonfinancial assistance. If you change your mind, put the terms in writing, and know that if she doesn&amp;#039;t pay up, you may have to let the money go in favor of the friendship. "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.goodhousekeeping.com/life/money/q-and-a/a21147/lending-money-to-friend/?src=shelter_footer>