On the financial side of things, I’m not sure I see what the issue is. Are you not going to pay the MIL her payment this month? What does Z say about this situation? I have bad credit but I need a payday loan online, what do you think about this service? If you are going to pay, what’s she concerned about? If not, why not? The first thing I would do is visit the budget and make cuts to cover the the income loss during the week off. Do you have a holiday fund? You’ll have to tap that as needed (maybe MIL’s gift?). Finally, take the shorfall from not working for a week from the BEF and apply it to the repayment if it’s that big a deal to MIL.