<human>: Can you provide a brief overview of the text?

I'm (35m) loaning the money (about 4.5K) to my girlfriend (33f) for her breast and lipo surgery / Brazilian butt lift. It's a great deal / great doctors where we are getting it done and I think it will really help her with her self confidence and a potential pay raise in a future job. She really wants the surgery and so do I.
She doesn't have the money and i told her that I would loan it to her. I'm a little concerned because in the past I had to cover her a few times for rent. She showed some progress by getting a second job and curbing her spending habits but she still hasn't paid me back yet. She also has to cover a lot of expenses for her mom who is sick. Essentially she doesn't come from money and doesn't have a lot now.

She has told me that she will pay me back, but I'm not so sure. Do you think I should make her sign a contract? How do I go about doing this if I do? We've had a few fights about money and I know this one is going to be a tough one.
<bot>: girlfriend needs money for surgery, but has had money problems in the pst. Should I make her sign a contract?