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.