Hi BND,
I am sorry to hear that you are frustrated but I understand you so well. I can imagine how working for others and not getting the credit for it can be frustrating.

I am amazed that your MIL is not willing to repay the loan at this time. You might be able to have a business on your own with that kind of starting capital. I hope she will find a way to repay you soon.

I hope for you that you will be able to work something out. Have a lovely rest of the week. (((HUGS)))