08/26/2026
AITA for refusing to loan my girlfriend’s dad $8,000?
I’m a 23-year-old guy who has had a decent-paying job since graduating college. I’ve been dating my girlfriend, whom I met in college, for about four years, and we moved into a townhouse together about a year ago.
Her dad, Frank, is self-employed and works a blue-collar job. He was recently out of work for about a month because of health issues, but he has since returned to work.
Last night, Frank randomly texted me, asking me to call him. When I did, he explained that they had a serious problem with their upstairs bathroom. The shower wall had been damaged, and after looking at it, he initially thought the shower needed to be replaced.
They got a second opinion, though, and apparently discovered much bigger problems. Some of the plumbing had been installed incorrectly by the builder, and the plywood underneath the bathroom floor had also been damaged.
What started as a shower repair has apparently turned into a major renovation costing around $8,000.
I offered to help with whatever work we could handle ourselves, but Frank said most of it needed to be done professionally.
I thought that was the end of the conversation, but then he paused and said, “I hate asking you this, but is there any chance I could borrow most of that money from you?”
He explained that work had been slow and they didn’t have the money to cover the repairs.
I was honestly shocked. I told him I wanted to help if I could, but $8,000 is a pretty significant amount of money and I needed time to think about it.
He then pointed out that I had recently bought my dream car and taken my girlfriend on a nice vacation, basically implying that because I could afford those things, I should be able to afford the loan.
I didn’t agree to anything.
When I told my girlfriend about it, she was actually furious at her dad, not at me. Apparently, this isn’t the first time Frank has borrowed money from family and failed to repay it.
Her brother, who’s around 20 and currently in college, is still owed roughly $2,000 from Frank for a truck repair. When her brother asked about getting the money back nearly a year later, Frank apparently responded by bringing up how much money he’d spent raising his children and implying that this somehow outweighed the loan.
Frank also has poor credit, and their car was repossessed a couple of months ago.
So while I genuinely have the money and lending him $8,000 wouldn’t put me in financial difficulty, I’m extremely uncomfortable with the idea of loaning him that much.
I care about Frank and his family, and I expect that my girlfriend and I will eventually get married. I also understand that this isn’t some unnecessary luxury. They need a functioning bathroom.
But I don’t think buying a car or taking my girlfriend on vacation means I’m responsible for financing her parents’ emergencies. More importantly, based on his history, I have very little confidence that I’d actually get the $8,000 back.
I’m also worried that if I help this time, I’ll become the person everyone calls whenever there’s a financial emergency.
I don’t want to abandon someone who genuinely needs help, but I also don’t think I’m obligated to loan someone thousands of dollars when I already know they have a history of not repaying family members.
AITA for not wanting to loan my girlfriend’s dad the $8,000?