Option 1

Immediately contact your friend to discuss the situation honestly, explain your financial predicament, and explore alternative solutions like splitting the cost or finding a short-term loan for their medical needs, while also informing your employer about the work trip's financial requirements.

Option 2

Prioritize the work trip by using all available funds, then inform your friend that you cannot help with their medical emergency and suggest they contact their own bank or a charity. For the overdraft, call your bank to demand a waiver of fees and an immediate credit line increase.

Option 3

Avoid making a decision for a day or two, hoping a solution presents itself, or discreetly try to borrow money from another friend or family member without telling either your employer or your friend about your financial struggles.