Yes, family 24/7. Loaned between $30-50k and never received more than $500 back. I was dumb and younger.

I would handle this situation by saying, "no." If you want to be extra nice, let them know you don't have the money to give - and if they question how you're able to afford your trips, it's none of their business. Once you say no, that's it. Set boundaries, these people aren't your friends just because you were closer at one point in your lives.

Or draft a loan contract, if payment isn't completed within 3 months, 5% interest increase on the monthly payment for 3 months. If the loan hasn't been repaid in 6 months total, we're going to small claims court. Get it notarized, take a photo with IDs in frame.