<prompt> Human: My in-laws are well-off. They have many investments, have helped one son pay for tuitionstudent loans and have him repay them, helped another son with purchasing a car - also re-payed, and bought both of the other sons homes albeit in cheaper places than where husband and I live. Theyve gifted us a car already, and will gift us another in a few months when baby 2 arrives. Im appx at 50K in my student loans, and at an interest rate of 6.8. I pay 1k towards the loans every month on autopay, and then use the rest of the funds to pay my two credit cards Amazon, Quicksilver in full each month also on autopay. I used to be able to save 1k every month but once my daughter started day care last year, I cannot tuition is 1200; we live in SF. I checked to see if Credible could find me a lower rate, and they found an option with Nationwide at 4.5.If I did ask them, theyd definitely want some sort of interest, but Im not sure what rate - what do you think would be appropriate? What else should I consider? ETA: I am the only daughter-in-law and have gifted them a grandchild and another on the way.. needless to say, I am their favorite DIL and theyd be happy to do this for me.  <response>: Id look at seeing if theyd cover daycare or something for the granddaughter then youd have the extra money like you did before. 