Thank you both for the response. She has never paid me back and I have never asked. Honestly, I think of it as a gift, so she doesn’t need to pay me. I ended up telling her that I would prefer to help with a couple payments rather than give her the money. I told her I can cover her moving costs or pay her medical bills. My financial help will stop there as I have my own bills and family to provide for. Thank you for letting me know it is OK for me to change my mind. I love my friend, but she needs to figure her financial situation out.