history: I'm really stressed that I'll have enough money to cover the bills this month.  I might need a loan. I'm really stressed that I'll have enough money to cover the bills this month.  That is a stress we all go through! It's hard! Yeah_comma_ the struggle is real! I might have to take out a loan!
current: Oh no! You don't have family?
next: I do, but I would rather not bother them.