<prompt> Human: I am looking at my options to help out a family member. I can borrow from my 401k at a 2.3 interest rate, or I can get a private student loan around 3.5 interest rate.Should I put someone elses money up and pay them interest, or just pay myself interest but miss out on 1.5 years of returns?  <response>: Is it even legal to get a student loan and then give the money to someone else? Sounds crooked. 