It can still be okay to proceed, but only if you fully understand the situation and are comfortable with it. Debt itself isn’t a character flaw it matters why the debt exists, whether the person is responsible with money now, and if they have a clear plan to manage or repay it. What’s not okay is going in blindly or hoping it will “work itself out” after marriage. Financial stress can seriously affect a relationship, so honesty and transparency are key. If they are open, responsible, and you’re both aligned on how to handle it, it can be workable if there’s secrecy or poor financial habits, that’s a serious warning sign.

Taking a loan for a sibling’s overseas plans is only worth it if you can honestly afford to treat it as a gift, not a loan. If you already suspect they won’t repay you, borrowing money in your own name creates risk, stress, and possible long-term resentment. Family help is meaningful, but it should not put you in financial harm or depend on unreliable repayment. A better approach is to either support them within your means, help them find scholarships or legal financing, or set very clear written expectations if you still choose to lend. If repayment is uncertain, don’t rely on it base your decision on what you can safely carry yourself.