1. Soften the blow with cute animals.
2. Ask through text instead of IRL.
3. Get them to cover you next time you hang out.
4. Throw subtle hints whenever you see them.
5. Mask the cringe with memes.
6. Get resourceful next time your friend throws a party.
7. Ignore them until you pay them back.
8. Guilt them with a screenshot of your bank balance.
For added effectiveness, send with a miserable picture of yourself and a playlist of the world's most depressing songs.