answer:80% sure is still not a sure thing. I once lent a friend 10k for 90 days and she offered to pay me back $900 in interest. I took the gamble and she came through. She and her husband were waiting on his annual bonus from a high paying job and I was pretty certain that bonus was a sure thing based on his years with the company. Really, the best advice is if you can’t afford to lost it, don’t lend it, and only give what you can afford to lose. Tough call, but, family, friends, or otherwise, the borrowing party should expect to pay at least some, modest amount of interest, at least the going rate they would pay the bank.