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

My closest friend is in a financial bind with had a credit card they didn't pay off and now they are calling to settle it/payments, or go to court.

* They made a deal to pay $300/wk for the next few weeks then $200/month to settle.
* Friend makes $400/wk, and has bills coming up and won't be able to pay rent/bills if they make the next payment.
* They're asking me for $300 to 'borrow'. Which I do have but am trying to save money to pay off my taxes, credit card debt and am in the midst of trying to switch jobs.

I know I probably wouldn't get the money back if ever, and one suggestion I've read is that it's better to take them out for a coffee and try to help them sort their finances.

I've thought of lending them some of the money, or lending the money on the condition that they take a virtual personal finance course (I've already paid for) with me.

This person has never asked me for money/financial help in the past. I am the last person on their list of family that they're trying to get help from.

My friend does not drink/smoke/gamble or have any other issues that would concern me with lending money. My SO pointed out that it may affect the friendship I have with this person.
<bot>: Friend needs $300 for a payment for a credit card settlement or else they go to court. I am their last resort.