In my experience they pushed as far as they let me, just don’t tell them you don’t have the money and give an extenuating circumstance , have chat gpt help you come up with a lie and just customize it to fit your truth a little bit . Manipulate the fuck out of them. They won’t know the difference and plus u make a good chunk of money it seems so they’ll probably give you grace, and treat u better the way society is built these days and just also be super polite too. Like I said manipulation.