<prompt> Human: Theyre 53, my mother has a credit score of 670 maybe higher now, dads is around 620. They have a combined income of 80,000. They have around 3900 worth of extracurricular debt, i.e. car paymentThey plan on borrowing from their retirement plans. By next year, Dad will be able to borrow around 30,000, with a 4 payback interest rate. Mom will be able to borrow around 15,000, unless she retires, shell be able to collect 35,000.If they walked into a bank to borrow for a home, they would only have 15,000, which is why theyre thinking of borrowing from their retirement plans. Im looking for advice, tips, other options, to make this as easy on them as possible. Thank you!  <response>: Borrowing from your retirement plan, especially when you are 10-13 years from retirement is an exceedingly bad decision. They will lose out on all of the growth from that money and have to pay themselves interest to get it back. Borrowing money to borrow money is a bad idea. Sounds like they cant afford a house right now. 