Stopped borrowing when I had a run in with my aunt. She's the type to offer to pay for something and then rub it in your face. Like she paid about $1000 towards some of my college expenses and I was paying her back like $250 per month or something but we never put anything in writing. I was younger and didn't know jack about budgeting so sometimes I would give it to her first of the month, sometimes at the end, I mean I would just give it to her when I got it. So she started talking shyt about if she didn't give me the money blah blah blah. I finished paying that off and never took her up on her offer to pay for anything again.