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For example, you can use money from your IRA interest-free for 60 days.

Ideally, you offer your parents or another private lender an interest rate that’s better than what they’re getting at the savings bank.Not only will you be bailing out your children at an important time in their lives, you’ll be giving them an excellent borrowing experience.In the days of yore, when people needed a hand catching up on their bills, they strolled into the neighborhood bank, spoke to branch manager, shook hands on a loan, and got a check for the amount they needed.These days, while you can still get personal loans from banks and credit unions, there are generally lower-rate options, such as the ones we have been discussing.

Remember, don’t hesitate to ask your bank or credit union to give you a better deal if they want to keep your business.

(You can learn more about , which could lead to a lawsuit, the CFPB says.

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