<prompt> Human: For whatever reasons Ill save the drama; lets just say divorce, bad influences, poor decisions, and misaligned priorities I am in a situation where I absolutely would not mind receiving a loan for 10-25k now that I could pay back over the long term. Im currently unemployed, under-educated, and unexperienced.Does anything like this exist?Also, my mother is 100 vested into a company with an employee stock purchase plan that she invested in for 10 years. She too is having hard times. However, the policy states she can not access the money 500k until shes a certain age 62 I believe or a certain number of years have passed since she has worked for the company 5 I believe, its been 3.Im under the impression that the bank wont extend a loan to her based on the current worth of her employee stock plan because the company could go bankrupt, rendering it all worthless.What are our options as a family? I am going to actively seek work as a computer programmer, but my lack of schooling and lack of professional experience are obviously going to be a handicap.My mothers 56 and is currently bartending part time, after having worked her entire life as a successful marketing director. Unfortunate circumstances of home foreclosure and a nasty divorce that avoided legal systems therefore no clear separation of wealth, not that there was much to divide have created a very dire situation.I have nobody to turn to and would very much not like to be homeless or lose my things if could translate into my having to pay back some loans at 5-7. Id much rather have life-long debt than no life.My half-sister took out student loans for 100k and has yet to pay them back. She is making the monthly payments while they accrue interest. Can I do something similar without having to go to school?I know this is the subreddit for financial right-doing and Im asking how to commit financial suicide, but I would really like to not be homeless due to my parents inability to settle their emotional and personal differences.  <response>: You cant get a loan with no collateral and no income. Why would any lender think you have the ability to pay that back? And if you did the interest would never be as low as 7. 