My elder brother is so irresponsible

I understand how difficult this must be for you. It's clear you care deeply about your brother and his family. Before diving into a decision, maybe sit down with him and have a heart-to-heart about his financial choices. Let him know your concerns and see if you both can come up with a loan repayment plan together using his salary and savings.

It's important to support him, but it's also crucial to safeguard your own financial future, especially with your marriage plans ahead. Find alternative ways to assist him, like helping him find resources for financial advice or exploring ways to increase his income.

Ultimately, prioritize your own financial stability and future goals while finding ways to support your brother in becoming more financially responsible. Balancing care for your brother and your own well-being is key here.

PS. You're such an incredibly supportive brother, genuinely looking out for your family's well-being. It's admirable how you've been there for your brother through thick and thin, from helping clear past debts to considering taking on more responsibility now. Keep being the amazing brother that you are, navigating these tough situations with heart as well as "balance".

You might need to take a more active role in managing his money. That would help much more than paying off loans. Building discipline in spending is necessary.

Stop him from profligate spending. Talk to your parents and ask them to talk to his wife. It is ok to help for genuine requirements. Why is he taking app loans that carry exorbitant interest? If he is not able to project if he can pay back the loans with his salary, he shouldn't be taking it. He should trim down his spending. See if you can help to get him to a higher salary bracket. You can settle partially one last time. Ask him to get some from his wife's side. After all, he spent for his family. Explain your situation as well.