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You are a good son for even considering your mom's request. I would never ask my son for such a sum of money. As an adult, I would feel obliged to do everything within my own power to raise the money. From what I infer, your parents have some serious financial problems, especially since they are unable to come up with a relatively small amount of money on their own. It's obvious that you love your mom and stepdad, however, their problems are their own. Time to liquidate assets. Business is business no matter who is involved.
My advice, don't loan them the money, however, if it makes you feel better, gift the money to them. If you do loan them the money, get a receipt. If they default on paying you back, you can at least write it off on your taxes as a loss. Small consolation, but it's better than nothing.
Good luck, let your conscience be your guide.
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"The gift of liberty is like that of a horse, handsome, strong, and high-spirited. In some it arouses a wish to ride; in many others, on the contrary, it increases the desire to walk."
-- Massimo d'Azeglio
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