<prompt> Human: Okay folks, I swear to everything Holy that I do understand mixing family with money is a poor idea. I myself am in the financial services industry as a mortgage loan officer. Before I get into the ask let me give you the 10,000 ft view of my financial situation. Income: 250,000 Savings: years worth of base outgoing 70,000Equity in home: 300,000401k: 59,000Whole lifeins cash value: 25,000The only three debts I have are my house 3.375 int, and two cars at 1.99 int. I am finally at a point in my life at the age of 30 that I am really building a savings and have not yet decided how I am going to invest my lonely going forward. One thing I didnt imagine was going to be lending family money. I have some family members that are looking to buy a small business that is existing in a different town. They currently need a 100,000 loan with what they are bringing down. They only qualify for a 80,000 loan unless they get a co-signer. I personally would rather write a private contract for a 20,000 loan and mentally write it off as a gift. Rather than co-sign and be on the hook for the 80,000 should the business fail. Thoughts or real life experiences you have had in a similar situation would be most appreciated. Please share your thoughts. If I left anything out that you need more info on to make the decision, let me know!edit for spacing  <response>: Dont lend money to family or friends in amounts you arent willing to gift. 