Insights, guides, and updates to help you navigate loans and agreements.
Family loans and gifts from grandparents no longer count as FAFSA income since 2024, but asset timing and CSS Profile rules still can affect aid.
401(k) loan vs family loan compared: borrowing limits, true interest cost, job-loss tax risk, and mortgage impact, with current IRS figures.
Rates dropped since you set up your family loan? Here is when you can legally refinance it to a lower rate, and the AFR gift tax trap to avoid.
A family loan to pay off a mortgage can save six figures in interest, but only a recorded lien keeps your deduction. The real math and the risks.
A family loan to pay off student loans can beat federal rates, but it costs the $2,500 tax deduction and sometimes PSLF eligibility.
A family loan prenup keeps money from parents separate in a divorce, but only if the loan paperwork comes first. Here is how to structure both.
Reverse mortgage vs. family loan for an aging parent: real 2026 HECM fees, IRS AFR rates, and a decision framework before you tap the home equity.
How to buy out siblings on an inherited house without a high-rate estate loan: appraisal steps, AFR-priced notes, and the 2026 gift tax limit to watch.
A family loan can be challenged as elder financial abuse or undue influence. Here's the documentation test that proves it was a real loan.
Lending money to a boyfriend or girlfriend? Without a signed loan agreement, most courts presume it was a gift. Here is how to protect the money.
Unpaid rent or bills you cover keep adding to what a family member owes you? Here is how to track a growing debt as a line of credit both of you can see.
A family loan for adoption expenses can preserve your 2026 $17,670 adoption tax credit, but only if you structure who pays the agency correctly.