Short answer is I don't think I am liable. Without seeing the loan agreement I could'nt be 100% but I am 90% sure.
Conversation on Friday actually went okay. W did not ask me to cover the repayments, just said she has'nt slept with worry and her brother is not replying to phone calls and texts. She also started smoking again.
I did a lot of validating and offered to contact BIL myself to see if he would speak to me. She said that would be helpful but give him until next week to get in touch.
We then touched on what FY stated re her not being able to afford her place if she had to make the repayments. I did not offer her to come back to M home but had to bite my tongue.
But I can see where you are coming from FY and it does not sound bad in theory. She would get all the space she needs as I am out most evenings except weekends when I have S. Not sure about giving her options on the bedroom. I am still holding the view that she left the home and M bed and I think I would hold my ground on that.
I have felt much less anxious since she moved out and we are getting along much better. I would worry that we may end up back at square 1 if she moved back in, but definately worth more thought.
I will see her again tomorrow so will have an update and at least hope BIL has contacted her.