I think small things are different bc they’re not gonna affect them as much and it’s easier to pay back. Sometimes i’ll ask my friends to pay for a $4 ice cream or a meal and i’ll either buy theirs next time or pay them back the next day. It’s just like big things, like $20 or over where it gets iffy and becomes more of an issue if that makes sense
100%. Charge a reasonable rate and start accruing it. Give her like 1 year to pay off her debt. If she doesn’t pay it off sign off the debt to a collection agency. Use the interest (which may prompt u to delay the debt even longer) to pay off the collection agency. Then it’s off ur hands and it will really screw ur “friend” over