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Tsar actually made a pretty good statement that I'll back in this case, either give it to them with nothing expected in return or move on & sell it. Best thing to do would be to tell her the truth in that this will help pay your bills & that $100 a month for 2 years just isn't feasible right now.
That $2000 even at 5% interest would earn you an extra $205 interest over the next 2 years that you could have selling to anyone else.
If you wanna do the karma thing thats fine but you can get out of this by telling the truth as well IMO
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