Well shit. Start giving him $10 a payday, it's better than nothing and at least you would be making a token effort which is all you can really do anyway. Frankly he's an idiot if he actually ever really considered it a loan but I have never heard or seen ruby complain even once about it. He bought me a game once but I never asked him for it and it was just a gift so I could play with them.... which is very sweet of him.