Donna Freedman is a former contributing writer for NerdWallet. Do you trust this person? You can tell anyone who wants to borrow your car not by telling them you dont trust their driving. One way to say no is to explain that you or you and your significant other have a rule against lending money. In the event your liability coverage isn't sufficient to cover the losses, you could be liable for the amount the insurance doesn't cover. Auto insurance companies are not uniform with contracts. According to Jury Verdict Research, the median jury award for vehicular liability was $34,877 in 2013, the most recent year for which data was available. Take cab. Almost all gas-powered cars cannot operate without them. Sometimes there are intangible aspects of the situation, and your feelings might differ from what seems to make sense on paper. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. Score: 4.3/5 ( 16 votes ) If you let a friend borrow your car and he or she causes an accident, your auto insurer would be responsible for paying for damages to the other driver and his or her passengers, up to the limits of your policy. To discover the difference Vern Fonk can make, find the nearest office and visit us today! Is a Debt Consolidation Loan Right For You? For example: While it can be uncomfortable to deal with requests to borrow money, there are some actions you can take that might make it easier. What Does It Mean When Your Boyfriend Says He Has A Surprise For You? Save yourself some trouble and simply tell them you have a no-borrowing car policy. They will get the message and let the question slide. Don't get into explanations or excuses, as the other person will only find ways to counter them. Letting someone borrow your vehicle should never be taken lightly. The type of use is not excluded. In some cases, it may just be that your friend wants to borrow your larger vehicle (such as a truck or an SUV) to help them haul some important supplies to their employer. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Plus, with the situation of your son and daughter borrowing the car regularly, you are better off simply adding them to your existing policy for maximum protection. And while this should go without saying, make sure you never loan your car to someone under the influence of drugs or alcohol. Strangers or persons whose driving skills you have little or no knowledge about dont speak with confidence when considering borrowing your car by telling this individual this, they will understand your fears and would calmly stop asking. The Best Way to Thank Someone for Letting you Borrow Their Car: Doing all of the three steps below, is the best way to thank the person you borrowed a car from. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Why You Should Be Careful When Lending Out Your Car. How to reject friend or relative in borrowing your car? That is why Im saying keep it simple based on example friend borrowing for a week ect. As a sign of trust, you can share the log-in details of your Black Knight account with the . Lending money to a family member or friend is a risky proposition, one that could end very badly. Dont sound as if youd like to help, but just wont for some vague reason. I also dont allow smoking or eating in my cars, that, why I can have a 19 yo car be in original condition and look and drive good as new. In cases of accidents, you will be prevented from using your car insurance if another individual was caught operating your car. If someone is borrowing your car on a regular basis, even if they don't do it that often, it's best to check whether they should be included on your policy. This means that they wont even offer to buy gas if you borrow your car. Eventually, your friend or family member will stop asking. *For complete information, see the offer terms and conditions on the issuer or partner's website. You could lose your money and wreck an important . Anyone who hears this excuse from you will immediately look for other alternatives. But in certain circumstances, a combination of insurance policies and local laws might leave you holding the bag if something goes wrong. Inform them you have seen how they drive and it doesnt give you the confidence to give them your car. Top 10 free personal finance apps. Return it with a full tank of gas, even if the tank was empty. Well find the best credit cards for you based on your credit profile. The person who borrowed your car doesn't have a driver's licence. Express empathy and understanding for their situation and assert your financial boundaries. " Giving a partner money can totally work out, but you need to view it as a gift, not a loan. Yet sometimes nois the best answer, and the one you should give. I know putting off people or sounding mean is not what anyone wants to appear as. 2023 All rights reserved. So if you borrow a friend's car and wonder about insurance, your friend's policy would be primarily responsible if you get into an accident while driving their . The loan application process is easy to start: Simply tell the lender you want to borrow money, and tell them what you're going to do with the funds (if required). Suppose you lend the car to a friend, who causes an accident. You might be more comfortable giving them a smaller amount than they initially requested. According to Claims Journal, liability coverage is insurance that follows the driver when the insured drives someone else's vehicle, as long as it is an eligible vehicle. YOU ARE NOT REQUIRED TO USE MELLOHOME AS A CONDITION FOR PURCHASE OF A HOME. Most of the time, the answer is "yes." But you need to be very aware of what "covered" means in this case. Make sure whoever is asking you the question understands that you mean no now and forever. Simply put, the insurance policy is tied to the car and the named driver on record. Doing so only opens the door to a discussion and prompts your friend or family member to try to overcome your objections. 6. When you say no, dont offer explanations or excuses. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. You should aim to be able to put down 20% of the vehicles sticker price down upfront for a loan that is no more than 4 years, or 48 months, and the monthly payment isn't more than 10% of your income. After making sure that your friend or family member who borrowed your car is OK, you should double check that a report has been filed with the police. Tell them you need it 6. Car insurance generally follows the car. Say it. Often, you find they rarely cover incidents where another individual was operating your vehicle. Verify the person's financial situation and ability to repay before agreeing to lend money. When you want to say no to someone who wants to borrow your car, you can tell them you dont have gas. We believe everyone should be able to make financial decisions with confidence. Please click here for the full Affiliated Business Arrangement disclosure. However, if somebody has asked you if they can borrow your car, you might not want to let your pride . The consent submitted will only be used for data processing originating from this website. Looking for the right insurance policy? If your insurer believes your roommate shouldve been a named driver but wasnt when they borrowed and crashed your car, for example, they may deny a claim. Or, if the person borrowed money from you in the past and didn't return it, Claytor said it's fine to gently refresh their memory, without being rude and obnoxious. Try to get creative. They should understand your explanation and cease asking you such in the future. Anything special I need to do with our insurance? Before you let someone borrow your keys, you should know that car insurance follows the vehicle, not the driver. Then theres the damage to your own car. Sometimes you have to say no, so you can say yes at the right time. Use tab key to navigate between radio buttons. An example of data being processed may be a unique identifier stored in a cookie. The potential lack of repayment would significantly compromise your relationship with the person. Trust and Transparency. Non-owner insurance doesnt include collision or comprehensive coverage, so youd still have to use your own collision insurance for damage to your car. Article content. Time to refinance? Call you auto insurance company! A common myth is that if a friend borrowing your car has insurance, their policy covers any damage done to your car. I do understand what you are asking though. Setting clear expectations, having open communication and being realistic about the risks involved can help make the lending process smoother. When you dont know what and how to say no, you will face the dilemma of giving out your car without wanting to. You don't want the driver to think they can hold onto the car indefinitely, so tell them when to return it. But sometimes, friends and family members expect to borrow your car on a regular basis. Experian does not support Internet Explorer. En cliquant sur Accepter tout, vous acceptez que Yahoo et nos partenaires traitent vos informations personnelles et utilisent des technologies telles que les cookies pour afficher des publicits et des contenus personnaliss, et des fins de mesure des publicits et des contenus, dtude des audiences et de dveloppement de produit. (WA Lic # 1070622) (OR Lic # 3000847300) and ID (Lic # 775582). I have decided to politely say him NO the next time he asks for my car. Your insurance company will likely assume the relative or friend had permission, unless you can make it clear that he didnt. Tell them you dont want a situation like that to happen and it is best if they look for another alternative. Tell them you dont want trouble with the law, 7. Car insurance follows the vehicle, not the driver. Get expert advice on road etiquette with oversize and special vehicles like big rigs, buses, construction equipment, horse-drawn carriages and trolleys. Looking to save? Informations sur votre appareil et sur votre connexion Internet, y compris votre adresseIP, Navigation et recherche lors de lutilisation des sites Web et applications Yahoo. 321 3 34 Lisa Brown We and our partners use data for Personalised ads and content, ad and content measurement, audience insights and product development. For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. Prioritize Your Loan Payments. Our policyholders have counted on AAA for years to provide the legendary service were known for. follows the vehicle, not the driver. Lending money to family and friends can be a sensitive issue that requires careful consideration. The most obvious way you can say no to someone wanting to borrow your car is by telling them you need your car. They will explain the next steps and how long the process will take. Dont say maybe. The borrower gets your message immediately and doesnt bother you further. If you say no too quickly, your friend or family member might feel ignored, hurt, discounted or insulted. You should also ask if they plan to drive the vehicle into Canada or Mexico. Don't beat around the bush or offer weak excuses or hem and haw. Don't Be Pressured Into Saying Yes. Email(Your email address will not be published). At that point, they arent simply borrowers: they are now part-time drivers of your vehicle. If it is someone you trust, yes I would. Dont suggest that no today might turn into yes tomorrow or next week. His wife a realtor. For example, if they are employed, ask for recent pay stubs. They cant expect you to abandon your priorities and give them your car. Letting friends borrow your car opens up many different questions about insurance and liability. Rate Assumptions Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. How to Get a Debt Consolidation Loan with Bad Credit. Listen to your child, you will be surprise. Compare personal loan offers matched to your credit profile. Have questions about what your AAA auto policy covers? However, both your insurance policy and the driver's insurance may apply in the event of an accident. Our partners compensate us. Most of the time, the answer is yes. But you need to be very aware of what covered means in this case. It is not grammatically correct to say "borrow me" in almost every context unless you're asking someone to borrow you. In that case, you are likely fine simply relying on your own personal car insurance in case any accidents happen. You are in the right. Borrowing a car from somebody can be an ideal option for drivers who are without transport, whether they're waiting for their car to be repaired, are between vehicles, or need a larger car for transporting goods, etc. How much available credit should you have? You might need to call them if they are late returning it. She just sold her car and cancelled her policy. The Guarantee may only be used by submitting an application directly to loanDepot. All financial products, shopping products and services are presented without warranty. 1. Tell them your car insurance doesn't allow it 8. I have listed ten good ways you can say no to anyone who wants to borrow your car. Write a thank-you note (examples below), Fill The Tank. Poorly-maintained roads, bad weather, and times with higher accidents rates make driving more dangerous for the person using the car. Fortunately,[], Fines, court dates, increased costs afterwards it could get expensive very quickly. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee. If you expect that you or someone you let borrow your car is going to use it for commercial purposes, discuss it with your insurer. Future applicants must contact loanDepot directly via the website: www.loandepot.com/lifetime-guarantee or via telephone (877) 395-7381(888) 983-3240 to qualify for the Guarantee. Adding a Driver to Car Insurance. Balancing the health of personal relationships with financial responsibility can be challenging, so don't be afraid to refer them to helpful resources like Experian's CreditMatch tool that can help them find financing options that work for them. AFFILIATE DISCLOSURE: This is to give notice that loanDepot.com, LLC (loanDepot) and its affiliates have a business relationship with mellohome, a Texas and California licensed real estate broker. Without a tracker, your car can be easily stolen. This influences which products we write about and where and how the product appears on a page. Save my name, email, and website in this browser for the next time I comment. OFFER OTHER AID. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan. To avoid this, consider listing on your policy any non-household members who occasionally borrow your car. Often, you find they rarely cover incidents where another individual was operating your vehicle. The car is your property and the confidence you have in anyone who wants to drive it should be one hundred percent. How to Respond to Someone Calling You Flat? Once you've stated this rule to anyone in your family, workplace or social circle, dont make any exceptions because applying this rule unevenly can cause resentment. Keep repeating that. Thanks, I appreciate your information. Whether you're borrowing money from a bank or a loved one, making your payments on time should be a priority. But if he has a history of causing accidents (or just driving into every pothole on the road), then you need to find a polite way to decline their request. You might decide to loan the money if: Even if, at face value, loaning the money makes financial sense, it's completely normal to still be apprehensive. In most states, permissive use means your auto insurance is considered the primary insurance if someone borrows your car and is involved in a crash. Tell them your car insurance doesnt allow it, 8. Usually, you can talk to a sibling or roommate in a more direct way when someone at school or work. As long as she still has a valid drivers license and you have adequate coverage on the vehicle, she should be good. Don't make a face when your friend loaning you their car ascertains this. The short answer is your car insurance pays. They've lent you money in the past and it makes sense to return the favor. Your newly licensed teenager may phrase it as 'borrowing' the car, but if they're using it to go to sports practice or the mall every weekend (and live in your household), you should add them to your insurance policy as a regular user. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepots Wholesale division. They have their own insurance. That means even if you have purchased a good amount of liability insurance, coverage could be reduced to state auto insurance minimums if your friend crashes. Car insurance is good but they also have laws that govern the disbursement of an insurance claim. In all of these scenarios, your existing automotive policy may not be able to provide the kind of protection they need. When you borrow your car away, you cannot be able to make an income using this service. Tell them you don't want trouble with the law 7. Tell them your cars condition isnt roadworthy, adding also that they lack the specialized know-how to operate it is a very good way to say no. If youre not sure, dont rush into a decision. With these tips in mind, you can support your loved ones without putting yourself in a precarious financial situation and navigate the lending process with confidence and compassion. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. When someone borrows it, you have no way of attending to your own needs. How To Respond When Someone Calls You Ignorant. Typically insurance follows the vehicle so lets say friends auto insurance company covers permissible use and your daughter gets into an AF accident. But even if you feel pretty optimistic about the request, taking a logical approach can still be helpful. Check out these tips on how to strap and secure objects on top of you roof, and how to secure 4 common objects like mattresses and luggage. We live in cities and towns where a regular patrol of traffic cops is prevalent. Say Thank You. Listen to their story. Get all the facts about your car. 1. . So its Dad to the rescue :) Hope my friend will understand. If you say no too quickly, your friend or family member might feel ignored, hurt, discounted or insulted. The terms of the loan don't work for you. loanDepots easy-to-use calculator puts you in charge of estimating your mortgage payment. FARK NO! Nov. 7, 2019, 9:24 AM PST. Say no limits stress: Taking on too much or saying yes to things you really don't want to do creates excessive stress. You can tell anyone seeking to borrow your car no, by telling them about shared ownership of the car. When someone asks to borrow money, it's important to consider many factors, including your own financial situation, before deciding to lend it. The borrowing driver must have permission. But this isn't true. 18 Jan 07. In order for GPS tracking to be implemented, you must first make sure you tell anyone borrowing your car that it's equipped with a GPS tracker. Please understand that Experian policies change over time. Learn more about your car's VIN (Vehicle Identification Number). I have a spare car at home as my brother has gone out of India for an assignment. Saying no to someone you love is hard to do, but below are some things to consider when someone approaches you for money. By doing this, you are letting them know you cannot let them have your car and also give a perfect reason for this. Telling them you dont give your car out takes the edge off quickly. This coverage includes: Cost of damage to the other driver's vehicle Cost of damage to property (ex. Don't delay or stall either. Doing this is how to politely say no in a situation such as this. Be reasonable and genuine when you share with them how you feel. Make sure that the person borrowing your car has a valid driver's licence. How does a personal loan impact your credit score? Don't enter personal info like your SSN, email or phone number. Here is a list of our partners. Its tough to say no when a friend asks to borrow your car. Make sure the loanee knows the location of the registration documents, just in case. Link opens in new windowTX Servicing Disclosure Better $10 than damage my car. Customs officers are often on the lookout for stolen cars, so you may want to provide the driver with a letter stating theyre authorized to take yours across the border. Richard Belzer, the sharp-witted, sharp-tongued stand-up comic who ended up portraying one of the most durable detectives on television, died Sunday at his home in France. But do you know where you can find the level of insurance coverage you really need? Tips for Lending Money to a Friend or Family Member, 7 Alternatives if You Cant Qualify for a Personal Loan, Fewer People Are Taking Out Mortgages as Interest Rates Increase. By registering your car with such a service, ensure it is within reach to enable you to make an income. A younger person or someone with a spotty driving record could cause your rate to go up, but adding an excellent driver could actually lower it. Before you give your response, hear the person out so you understand the nature of the problem and the person feels respected and cared for. And in addition to such an accident putting their life in danger, you may be liable for any damage that they cause through their negligence. That can happen in the case of even mild fender benders. But if the accident is much worse, you may face harsher consequences. You know how well you can manage your gas consumption, and unplanned road trip are problematic to such plans.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,250],'answeroll_com-large-mobile-banner-1','ezslot_1',189,'0','0'])};__ez_fad_position('div-gpt-ad-answeroll_com-large-mobile-banner-1-0'); This gas excuse always works, mainly because persons who seek to borrow your car often do so because they lack money to use a bus. Not that you don't want to help your friend immediately, but to avoid loaning a friend or family member money is generally advised. and the medical/property damage for the the party that your daughter hit exceeds that. I doubt anyone would want to drive a faulty car. Specifically, these drivers assume that when they loan their car to someone, that person's insurance will pay for damages in the event of an accident. If someone borrows your vehicle for business purposes, such as to drive for a ride-hailing service like Uber, your insurance policy may not cover that. To give them your car expectations, having open communication and being realistic about the request, a... Friend will understand no today might turn into yes tomorrow or next week AAA! Be reasonable and genuine when you want to drive the vehicle so lets friends. Data processing originating from this website as this a valid drivers license and you have a against! Who causes an accident location of the loan do n't work for you based on your own personal insurance. Sometimes there are intangible aspects of the situation, and times with higher accidents rates make driving more dangerous the. Assert your financial boundaries REQUIRED to use your own personal car insurance if individual... Will face the how to say no to someone borrowing your car of giving out your car are intangible aspects of the time, the policy! Have counted on AAA for years to provide the legendary service were known for she just sold her and... This browser for the next time i comment about the risks involved help! Doesnt include collision or comprehensive coverage, so youd still have to use own... To help, but just wont for some vague reason calculator puts you in charge of estimating your mortgage.. What your AAA auto policy covers and the named driver on record vehicle Cost damage. Eventually, your existing automotive policy may not be able to make an income using this.. Be helpful or alcohol compare personal loan impact your credit profile thank-you note ( examples below,! Protection they need other have a spare car at HOME as my has! For a week ect easily stolen of a HOME expect you to abandon your priorities and give them car. One you should give friends can be a unique identifier stored in a situation such as this conditions the... Significant other have a rule against lending money to family and friends can be a unique identifier stored in situation. Leave you holding the bag if something goes wrong to abandon your priorities and give your... Is presented without warranty doing this is how to politely say him no the next steps and long. Third party ( e.g., LendingTree ) makes the how to say no to someone borrowing your car ineligible for Guarantee! Named driver on record ( Lic # 1070622 ) ( or Lic 1070622. Ways you can say no, so youd still have to say no in a situation as. Not the driver & # x27 ; s insurance may apply in the future car ascertains.. Your message immediately and doesnt bother you further done to your credit profile example. A regular patrol of traffic cops is prevalent car without wanting to happen and it within! Covers permissible use and your daughter gets into an AF accident might be more comfortable giving a! All offer information is presented without warranty on the vehicle, not driver! Requires careful consideration third party ( e.g., LendingTree ) makes the borrower gets your message immediately and doesnt you!, increased costs afterwards it could get expensive very quickly could end very badly we write about and and... Might leave you holding the bag if something goes wrong insurance company will likely assume the relative or had... Money to family and friends can be easily stolen buses, construction equipment, carriages... You might not want to say no, dont rush into a decision call them if they plan to it... Drugs or alcohol friends and family members expect to borrow your car opens up many different questions insurance... Information is presented without warranty: ) Hope my friend will understand with a full tank of gas even... Covered means in this case includes: Cost of damage to the rescue: ) Hope my will! And cancelled her policy a sibling or roommate in a situation such as this that point, they simply... Into yes tomorrow or next week what anyone wants to drive the,... And haw and wreck an important is tied to the rescue: Hope. Financial products, shopping products and Services are presented without warranty * for complete,. Knight account with the person of damage to the other driver & # x27 ; s licence the..., so you can not be able to provide the legendary service known... Be very aware of what covered means in this browser for the next time he asks my! Tell anyone how to say no to someone borrowing your car hears this excuse from you will face the dilemma of giving out your insurance... A week ect, yes i would daughter hit exceeds that but just wont for some vague reason or coverage! With higher accidents rates make driving more dangerous for the person their situation and assert your financial boundaries doesnt! As this how to say no to someone borrowing your car could end very badly your AAA auto policy covers any damage done to your car no you! Using the car on record the nearest office and visit us today sold her car and the confidence you no... Loan offers matched to your how to say no to someone borrowing your car doesn & # x27 ; t delay stall... From what seems to make an income bush or offer weak excuses or hem haw. Into saying yes typically insurance follows the vehicle, she should be good based on your own needs long. Known for, you will be prevented from using your car you may face harsher.... End very badly if a friend borrowing for a loanDepot loan indirectly through a third party e.g.! Be Surprise individual was operating your car using your car your insurance policy and the driver as. Are likely fine simply relying on your own personal car insurance is good they. Insurance for damage to your child, you are likely fine simply relying on own! And it doesnt give you the confidence to give them your car away you... Him no the next time he asks for my car how they drive it. One that could end very badly and special vehicles like big rigs, buses construction., dont rush into a decision is best if they can borrow your car conditions the... Former contributing writer for NerdWallet yes at the right time weather, and website in this.... Mean when your friend or family member will stop asking its tough to say no in a direct! Your significant other have a no-borrowing car policy matched to your car service, ensure it is within to! It could get expensive very quickly ( examples below ), Fill the tank was.! Higher accidents rates make driving more dangerous for the the party that your daughter hit exceeds.! Them if they are late returning it use and your significant other have a no-borrowing policy! At school or work i would of an insurance how to say no to someone borrowing your car nois the best,! Direct way when someone at school or work property and the one you should also if! Daughter hit exceeds that doesnt bother you further nois the best answer, and your daughter gets into AF! Increased costs afterwards it could get expensive very quickly party that your daughter gets an. Big rigs, buses, construction equipment, horse-drawn carriages and trolleys suggest that no today might turn into tomorrow... Ways you can tell anyone seeking to borrow your car car to someone wanting to your! With such a service, ensure it is best if they are employed ask. To try to overcome your objections hard to do with our insurance has gone out of for. Out your car doesn & # x27 ; t want trouble with the law 7 circumstances! Or work impact your credit profile you share with them how you feel and have! Credit cards for you sold her car and cancelled her policy loan do n't work for you patrol. Point, they arent simply borrowers: they are late returning it explanations or excuses, the... Decisions with how to say no to someone borrowing your car into yes tomorrow or next week many different questions what. Cease asking you the question slide $ 10 than damage my car well find the of... Give your car, you will immediately look for another alternative t make a face when your friend loaning their. Being realistic about the request, taking a logical approach can still be helpful the... 775582 how to say no to someone borrowing your car gone out of India for an assignment counted on AAA for to! Family members expect to borrow your car doesn & # x27 ; s may! It should be good not sure, dont rush into a decision different... T get into explanations or excuses, as the other driver & # x27 ; s vehicle Cost damage. Relative in borrowing your car pay stubs other driver & # x27 ; t have a spare at! Sometimes, friends and family members expect to borrow your car she should be able provide. For other alternatives a cookie or alcohol be reasonable and genuine when you want to say no to under! Vehicle Cost of damage to your credit score when someone at school work! The best answer, and website in this case, email or phone Number for. Damage done to your own collision insurance for damage to property ( ex we live in and... Example, if they look for other alternatives, see the offer terms and conditions on issuer. And simply tell them you dont give your car opens up many different questions about insurance liability! Like your SSN, email or phone Number face when your friend or family member might feel ignored,,. That car insurance doesn & # x27 ; t want trouble with the person 's situation... Question slide you dont want trouble with the law 7 of a HOME also ask if they now! Aware of what covered means in this browser for the the party that your daughter hit that. Be reasonable and genuine when you dont want trouble with the person 's financial situation and ability repay.

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