The BankOfGaga Blog
Lending money to family,
without ruining family.
Practical, plain-English writing about family loans — how to set them up, how to talk about them, and the boring math that quietly changes lives.
May 6, 2026 · BankOfGaga
The Part Nobody Writes Down (And Why It Matters)
Lending money to family without a written agreement? Learn the tax, legal, and relationship risks of undocumented family loans, and how to easily fix them.
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May 6, 2026 · BankOfGaga
Lending Your Kid Money for a House: How to Do It Right
Want to lend your children money for a house down payment? Learn how mortgage lenders, underwriters, and the IRS view family loans so you can do it safely.
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May 6, 2026 · BankOfGaga
A Family Loan Agreement Is Five Things. Most People Skip Three of Them.
Drafting a family money agreement? Here are the 5 essential clauses to include to keep your loan tax-compliant and your family relationship secure.
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July 2, 2026 · BankOfGaga
Lending Your Kid Money for a Car: How to Set Up a Parent-to-Child Loan
Helping your teen or adult child buy a car? Learn how to structure a parent-to-child car loan agreement that teaches budgeting and responsibility.
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July 2, 2026 · BankOfGaga
Lending Your Grandchild Money for College: The FAFSA Rules & Family Loan Guide
Want to help your grandchild pay for college? Learn how the latest FAFSA rules treat grandparent help, and how to set up a low-interest student loan.
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July 2, 2026 · BankOfGaga
Mortgage Gift Letter vs. Family Loan: How to Help Your Kid Buy a House
Helping your child buy a home? Learn the difference between a mortgage gift letter and a family loan, and how to satisfy bank underwriters and the IRS.
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July 2, 2026 · BankOfGaga
Medicaid Lookback & Family Loans: How to Keep a Loan From Being Taxed as a Gift
Lending money to family while planning for elder care? Learn how the Medicaid 5-year lookback period treats family loans, and how to document them safely.
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May 2, 2026 · BankOfGaga
The IRS Has an Opinion About Your Family Loan (And It's Probably Not What You Think)
Lending money to family? Learn the IRS Applicable Federal Rate (AFR) rules in plain, non-jargon English. How to easily avoid the family gift-tax trap.
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May 2, 2026 · BankOfGaga
The Boring Math That Saves Your Kid $89 (and 8 Months)
Looking for a way to teach your teenager or young adult child about compound interest and debt? Learn how a real payment schedule makes the math sink in.
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May 2, 2026 · BankOfGaga
How to Lend Money to Family Without Ruining Thanksgiving
Lending money to a child or family member? Learn the essential rules for documenting the agreement so you can keep the relationship healthy and awkward-free.
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