It's very generous of you. I'd like to point out my experience of taking the loan and never repaying it. I felt guilty for decades and more distant from the lo

It's very generous of you. I'd like to point out my experience of taking the loan and never repaying it. I felt guilty for decades and more distant from the loaner. They never brought it up but my guilty mind did. So I'm not 100% sure it was a net positive for our relationship. If I was to do loan money and they didn't pay back in some reasonable amount of time I think I'd tell them explicitly it was a gift. Though I'm not sure that would fix things in the guilty person's mind (yea, I get I'm projecting my feeling on guilt on them. They might not feel any guilt at all)