The HELB money just hit, and the first text I get is from home asking for a small loan. My parents think it's extra cash, but it’s literally my entire budget for the semester! How do you politely explain that rent and food have already claimed most of it without sounding ungrateful😭? I need a good strategy for this!

The HELB money just hit, and the first text I get is from home asking for a small loan. My parents think it's extra cash, but it’s literally my entire budget for the semester! How do you politely explain that rent and food have already claimed most of it without sounding ungrateful😭? I need a good strategy for this!