We have charged friends and distant family, but not charged close family.
Now original question answered I will say what many are probably thinking, but not saying...
Don't do it!
You say you are not only using all your points, but also borrowing. Many of us have had the extended family/friends trip and had bad experiences.
-people back out at the last minute
- people don't pay, you front the points because you "know" they will get the money to you, and then they cancel at the last minute
- people will cancel -not at the last minute-, but your borrowed points will be stuck in this use year
- people won't commit either way this far out and you will go crazy trying to figure out ressies so everyone who "might" go is covered
- people say they won't go, then want to go, and you go crazy making new arrangements so you don't look like the bad guy that wouldn't let them join you on vacation
-and then they change their minds again after you get the ressies made
-people pay you, then change their minds inside the 30 days and nobody in the family understands if you don't want to give the money back because "after all, they didn't take the trip".
There are lots of horror stories on these Boards from people who shared their
DVC points and got burned. I know where you are coming from because we borrowed points to make a rather large ressie for family members. They cancelled outside of the 30 day mark (but just barely) and it took me the better part of 3 years before I managed to shake out all the re arranging, renting, changing our vacations, etc it took to get all our vacation points back on an even keel.
Good luck!