Insights, guides, and updates to help you navigate loans and agreements.
Before you set up a family loan for private school tuition, learn the IRS rule letting relatives pay tuition directly, tax free, with no dollar limit.
Family loans have two interest rate limits: the IRS AFR floor and your state's usury ceiling. See real state caps and how to price a loan safely.
How to structure a loan from a foreign relative so it is not reclassified as a reportable gift under Form 3520. AFR, documentation, and deadlines.
Can you deduct interest on a family loan? Only if it's secured by a recorded mortgage or deed of trust. The IRS test, the paperwork, and the 2026 math.
A family loan to buy a car can beat bank rates, but only with the right lien, interest rate, and insurance steps. Here is exactly how to structure one.
How much wedding money can you gift tax free in 2026, and when should it be a loan instead? The IRS numbers, plus a worked repayment example.
How to pause family loan payments during a hardship without an IRS gift tax problem. The $10,000 rule, three pause structures explained.
Thinking about a HELOC to fund a family loan? Here's why the interest isn't deductible, and the real cost before you risk your house.
Lending IRA money to your spouse or child is a prohibited transaction that can wreck the whole account. See who is exempt and the 401(k) alternative.
Lending money to aging parents? Learn the loan vs. gift decision, the Medicaid asset-limit trap, and the POA conflict of interest most families miss.
A family loan usually never touches your credit score. Learn the cosigning exception and how it can still derail a mortgage approval.
Selling your house to your child or sibling with seller financing? Learn the IRS installment sale rules, the AFR interest floor, and the 2-year resale trap.