Charity case
(n) A person who never has any money and/or is constantly broke. Yet, this person never has any problem with always asking you to lend him/her some cash. The biggest problem they have is paying you back on time, if ever.
These people are the object of both pity and utter disdain by many.
"You can kiss that $20 you let Ed borrow goodbye. He's a real charity case."
from Urban Dictionary
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