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Well, I firmly believe in NOT doing favors unless you can afford to lose everything you've given! If it were me, and I were in your shoes, knowing what you know about the difficult time he is having. I would work with him.

The fact is, if not having the money is TRULY going to effect your future, then you do need to take care of yourself! But I would personally tell him to just pay when he can. When a man is trying to support a family and everything is going wrong, it's tough. I don't know really, it's a tough call. But if it were me, I'd see if there is a way I can live without the money, and just work with him to get it someday!
 
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