Our expert says:
Well, for a start, "ending it all" would be an awful thing to do for you, your boyfriend, your father, and everyone else who knows you. Don't do that.
You don't mention your age, but you sound rather young ; and perhaps your training would be enhanced by watching Judge Judy on TV more often. As I'm sure you will realize, as your financial career develops, it is rarely if ever wise to lend money to a friend : almost always you end up losing both the money and the friendship.
If your boyfriend's "project" was/is so good, why couldn't he get a bank loan, or a loan from some wealthy investor, rather than pushing you so far into alarming debt ? Why couldn't he go to his own family for help ? I hope you had him sign a legally binding cast-iron guarantee to pay you back in full at a specific and early date ? Which has priority if his grand project makes any profit : his debts ? or yours ?
You refer to what you have done as "financially irresponsible" and you may be right. Maybe if this has an impact on your credit history, that might not be a bad thing, if it restrained you from making other unwise investments.
Anyhow, the nub of your question is about approaching your father, which sounds like it would be a sensible thing to do. If the investment does turn sour, wouldn't he feel more upset that you DIDN'T approach him for advice and help, than if you did ?
From out here, we don't know him, or the nature of you earlier estrangement from him. It's good that there have apparently been some improvements lately. You know him best, and how to word your approach, so as to be most acceptable to him. Maybe he would want you to be contrite, or purely business-like. You will need to admit the details of the mess you've arrived in, and ask for his advice, maybe saying that you regret that your relationship with him ever became strained, and really appreciate the recent improvement. Appeal to his wisdom and experience, and ask him how he suggests you should deal with the situation.
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