Comparison
401(k) Loan vs. Family Loan: The 0,000 Cap and Job-Loss Risk Most Guides Skip
401(k) loan vs family loan compared: borrowing limits, true interest cost, job-loss tax risk, and mortgage impact, with current IRS figures.
Oct 9, 2026Read
Blog
Blog
Insights, guides, and updates to help you navigate loans and agreements.
Categories
Tax Guide
Refinance a Family Loan to a Lower Rate: The AFR Rule That Decides If You Legally Can
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.
Oct 7, 2026Read
Decision Guides
Family Loan to Pay Off a Mortgage: The $116,000 Case for Swapping Out Your Bank
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.
Oct 5, 2026Read
Decision Guides
Family Loan to Pay Off Student Loans: What You Lose Besides the Interest Rate
A family loan to pay off student loans can beat federal rates, but it costs the $2,500 tax deduction and sometimes PSLF eligibility.
Oct 2, 2026Read
Legal Guide
Family Loan Prenup: How to Keep $60,000 From Your Parents Out of a Divorce
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.
Sep 30, 2026Read
Comparison
Reverse Mortgage vs. Family Loan: The 3% to 5% Fee Gap Most Families Miss
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.
Sep 28, 2026Read
Estate Planning
Buying Out Siblings on an Inherited House: Why a Family Loan Beats a High-Rate Estate Loan
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.
Sep 25, 2026Read
Estate Planning
Family Loans and Elder Financial Abuse: The Test That Proves It Was Real
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.
Sep 23, 2026Read
Relationship Management
Lending Money to a Boyfriend or Girlfriend: Why a Court Will Call It a Gift Without This
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.
Sep 21, 2026Read
Loan Management
How to Track a Family Debt That Grows Over Time (Unpaid Rent, Covered Bills)
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.
Sep 18, 2026Read
Scenario-Specific
Family Loan for Adoption Expenses: Why Who Pays the Agency Decides Your $17,670 Credit
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.
Sep 18, 2026Read
Scenario-Specific
Family Loan for IVF: How to Borrow From Parents Without It Becoming a Gift (or a Grudge)
IVF often costs $20,000 to $30,000 a cycle. Here is how to structure a family loan for fertility treatment, keep the deduction, and protect the relationship.
Sep 16, 2026Read