Bank O' Cops

Question: Your good friend calls and asks to "borrow" $1500 so she can give a retainer to her divorce attorney. What am I not considering?

1. She "borrowed" nearly $1000 back in college to pay off a credit card and never repaid it.
2. She has a college education, but works a retail job, part-time, at $12/hour, because she wants to spend time with her children while they're out of school for the summer.
3. If she doesn't file the papers here, ASAP - her husband will file in MI (where he's living) - costing her time/money to fight him in another state.
4. She has openly questioned whether she really wants to end her marriage - claiming it may be easier just to go back to him.
5. I did tell her I'd help her "meet her bills" when she first left her husband.
6. I just agreed to pay my niece's tuition at her private high school ($8,000/year) since my brother couldn't afford to send her there again this year.
7. I fear this retainer won't get us very far in her divorce process - and then where will the rest of the money come from?
8. Her brother is single with no kids, still has all of his first communion money, yet she feels funny asking him for it.
9. She doesn't want to borrow from her mother, since "you know, she charges interest".
10. I'd have to part with the money, knowing there little chance of ever seeing any portion of that money again.

I'm tempted to say that I'll give her half - forcing her to ask for the rest of the money from her family. I would insist on a written agreement (IOU)...but what stipulations should I include? Honest thoughts? (your opinion will not offend me...)