<prompt> Human: Hey all,Im a 28 year old male making 95k but have 45k left in student loans at 7.9 interest Thanks Uncle Sam. I have been paying between 1300 initially and 1600 now a month for the past 5 years. Using a loan calculator, I foresee being completely done with the loans in about 2.5 years.Now heres the interesting part. Im getting married this June to a girl who comes from a very well-off and financially responsible family. I was talking with my future brother in law the other night and he was shocked at how much Im paying monthly and offered to write me a check for 45k after the wedding to pay off my student loans, under the assumption that Id just pay him my usual 1600mo. This would effectively allow me to just pay off my student loan without any interest. So now Im torn. Part of me is very concerned that having a 45k debt to a future family member would strain my relationship with my future wifes family. But I also know that my BIL is a man of character and is true to his word. So I really trust that he wouldnt twist my arm at all. Im also pretty prideful and have been looking forward to saying that I paid off my entire student single-handedly. On the otherside, I feel like saying no to his offer would be like declining a financial windfall, and that Id be foolish to not take it. So those of you that have taken loans from your family, whats been your experience? Did you regret it at all? Did your family member hold the loan over you to twist your arm later down the road? EDIT: Thanks everyone for your replies! It seems that those of you that DO have experience are leaning in the direction of accepting the offer. So Im going to consult my fiancee and sleep on it until closer to the wedding, but knowing my fiancees family, they do a lot of internal loaning the kids recently paid off the parents mortgage.  <response>: Financially, this is obviously the wiser thing to do. You dont risk your credit, and you save thousands in interest. I dont think it is bad, because he is soliciting it and he is surely well aware of the risks involved, but is extending the offer perhaps partially as a wedding gift to you. Others see it as awkward to owe your family member that much. I dont think so, its not like hes a loan shark. Its like borrowing 100 from a friend, which I havent had issues with.Ive taken a loan from my mother 20k for a condominium and paid it off in less than 2 years. No problem there. My Brother-in-law took a loan from my father for a Lexus at 30k, paid it back without any funny business. 