I have read about concentric circles as a guideline for giving Tzedakah. If a family member is struggling, I assume I should give to them. But I have seen that this can be designated as a loan, and additionally it can be a "pay me back when you can" loan.
First of all, that doesn't sound like Tzedakah. Is it? If I am giving it as Tzedakah, then I am not expecting it back. Also, I don't think the family member wants to take a loan.
Does anyone have any thoughts on this? Seems like the family member could be in this state of struggling for a long time into the future.