With 3 months left until graduation, my two childhood friends and my boyfriend, Tristan Voss, took turns borrowing money from me. One said his mother had died. Another said his grandmother was sick. Finally, Tristan took the last 100,000 dollars.   "It's just to tide the business over. I'll pay you back within 7 days. I promise."   A month later, a doctor pointed to my test results.   "Cleft lip repair will cost 150,000 dollars. You'll need at least 2 months to recover."   But of the 200,000 dollars I'd spent 4 years saving, I had only 2,000 left.   Then, while walking past the basketball court to clear my head, I heard them planning a birthday surprise for my sister, Phoebe Bell.   "Let's use the money we borrowed for a beach trip, then put on a fireworks show for Phoebe."   "Maren won't have any money. She'll be too embarrassed to come along."   Someone laughed. "Whenever I see her mouth in a group photo, I can't bring myself to post it."   After a brief silence, someone asked, "She's always been self-conscious about her cleft lip. What about graduation photos if she misses her surgery?"   Tristan sank a shot without touching the rim.   "She's lived with it all these years. She'll be fine."   I didn't go in to confront them. I just texted my roommate, a law student.   Maren: Didn't you say you could help people recover money they're owed? I've got three people for you.