
If you can’t support yourself, you are someone’s burden. Being afraid of being one is moot. Just ask. Might help your case if you offer to pay them back. I am curious about the things you asked about besides money however. Time, mental and emotional bandwidth? What does that even mean? What are you asking of them?
Good, you offered to pay them back. But you still said don’t help me unless you can give me all I want like mental and emotional bandwidth. What are saying? You won’t make the deal unless they meet the terms and conditions? What does give me time mean? Does that mean you won’t take the deal if they give you a deadline to pay them back?
No one is theoretically capable of helping themselves, you can either do it or you can’t, it’s black and white. If you told me that you couldn’t get a job unless some unforeseen circumstance arises, how could I trust you to pay me back anyway? Go to a temp agency, you can walk in and walk out with a job.