Okay, so about a year ago, a friend lent me $4,000 so I could go get my Class B CDL. We came to an agreement that I would pay him back between $100-$200 a month. To bring you all up to speed: I was originally suppose to start paying him back six months ago. Unfortunately, the only long distance road worthy car of mine (and consequently the only car capable of driving to the job I had lined up) was totaled when a 16 year old girl wrecked in to it. I informed him of this immediately, and he understood and reassured me it was fine if it took longer to pay him back. I repeatedly asked him (after he ok'd it, if he was truly fine with the payment arrangement. To which he said each time, that yes, it was indeed fine.) A couple months later, I finally found a job in December, and have been faithfully following our agreement as promised. With every payment, he has reassured me that all was well and that me paying him back as was agreed had been working fine. Today, I get an email from him that he is homeless now and is essentially demanding more money per month. I can't do that. Between my bills, car repairs, and my family, anymore than the agreement is beyond my means. It's like he has completely thrown out our agreement (which I can understand, given the circumstances). I feel terrible over his situation, but there is only so much I can do. I feel so unsure as to how to tell him that we had an agreement, that of which he repeatedly reassured me was acceptable. I have not missed a payment since I started paying him back. What can I do? I would feel so utterly wretched if I had to remind him that this payment plan was agreed upon as is by both of us. But what other options is there? I'm sure our friendship is pretty much wrecked at this point, because he wants so much more than I can pay him back at once. I have all of our conversations saved online as evidence of this, so there is no way either one of us can say anything different about the agreement. I have every intention of paying him back. But anything more than our agreement is absolutely out of the question. How can I handle this situation? I've been faithful about paying him back, and will keep doing so until the entire debt is paid off.