My mouth actually fell open when I read your post because I could not believe that you would take on finding this woman an apartment and loaning her money!!! This is completely outside of the bounds of a daycare providers job. The only thing you need to do for a client is provide good, safe, loving care to their children. Nothing more!!! And you do not need to lower your fees or ben dover backwards for anyone. That is NOT a part of this job! Chalk it up to experience and next time do not offer anything extra of yourself that is not directly in the job description of daycare provider. Sorry this happened to you