Write the next sentence in the following story.

How to lend money to family
Determine whether the family member asking for money is responsible enough to return it.
Only you can decide if a loan will be paid back. Obviously, a family member who is habitually overspending and is currently in debt would not be a good person to lend money to.

Available options:
1). Many charities offer fees and options to the family member offering the loan for a limited number of repayment periods. These fees are normally set by the charity.
2). If, however, they have been in dire financial situation for a long time, paying them back now is a definite no. You can also review the name of the person to figure out whether, in actuality, the individual is responsible enough.
3). Make sure that you have the money to spare before lending money to family. Do not get yourself in a financial hardship just so you can bail out a family member.
4). However, it is possible that the person just needs someone with them as they go through life's worst memories. In this case, you would look to make certain individuals responsible enough to return the favor.. The answer should be
3).