<prompt> Human: I have 30,000 in student loans at an average of about 5 interest. I can only afford to make a minimum payment of 350 each month. My father offered to pay them off immediately and have me pay him back interest free. Obviously this is a generous offer and Im very grateful. However, Im not knowledgeable enough to spot any potential risks of doing it this way. Are there any risks, or is this just a generous offer that I should gratefully accept? Just want to cover my bases before I make any decision. Thank you!Assistant: You risk ruining your relationship with your fatherHuman: I have a secure job and am great with budgeting and making sure I meet my financial obligations. I think the only reason I wouldnt be able to pay him back is either a disability or death.  <response>: Then its a great deal.But there are lots of sayings about loans between family and friends. None of them encourage it. And they exist for a reason. 