If you put in your mind the mental image of you lending them the money ($7,200) instead of renting an apartment, you might be more comfortable about having the the money conversation. 

Once you make the mental switch, though, that's a game changer for sure!

I also find myself in this state of mentality most of the time.

Those types of photos were great "post-eviction therapy" for me, after evicting a disgusting (probably mentally ill) inherited tenant. 

Because homelessness is more about mental disease and drug use than money.  

If those on S8 do not suffer from a true mental illness they stay on welfare by choice.

It's very easy to think of amortized interest as a financial opportunity that is lost to the bank..you need to get into the investor's mentality and understand IF time = money THEN 30 yr mortgage > 15 yr mortgage.

Personally,  accepting good debt was the hardest mental challenge for me.   

This is according to the Brookings Institute: https://www.brookings.edu/blog...If we assume that (a) we are all the same species despite our skin color and (b) disparities on the order of 10X do not exist in the mental capacity of blacks versus whites (not assuming both (a) and (b) would be completely against every last shred of peer-reviewed science we have on the subject), we are left with a gigantic problem that can only be explained by racist behavior, conscious, unconscious, systemic, whatever.So why is it every time anything that touches on this subject comes up here in the BiggerPockets.com forums, we get white people galore insisting that THERE IS NO RACISM IN AMERICA and rather unsubtly implying IT'S ALL THE BLACK PEOPLE'S FAULT?

That will improve your health (mentally and physically) and enable you to sell the car which would give you more money to pay towards your debt while saving thousands a year on insurance and gas.