My employee wants a loan and I'm thinking of costing her it.
Why would you hurt someone by costing them a loan?
She is the person who causes the most problems in my life and I hate her.
You are behaving in a vengeful way and that is wrong. It is unhealthy to seek revenge on people and hold grudges. That type of behavior always comes back to you.
It wouldn't bother me if someone wanted to cost me a loan, I'm not a pone to cry over it.
Are you sure that you'd be okay with losing out on a bunch of money that you need because of someone else? It's bad to hold a grudge because they can hurt you too.