<prompt> Human: I am thinking of making a personal loan to family member for 100k. They have high earning power but because of bad luck and poor money management, theyve never saved well. I am wondering what considerations should I make when making this loan. Here is what Ive come across: 1 A promissory note that is signednotarized - any suggestions on who to use? 2 Securedunsecured - I am planning on making this unsecured but happy to hear thoughtsexperiences 3 Loan percentage - I heard that I cant make this interest free due IRS rules - i am thinking 3-4 for a 5-6 year term 4 loan servicing - anyone know of a good loan servicer for family loans preferably someone that can handle payments, reminders, tax statements, as well as reporting to credit agencies 5 Anything else I need to put in such as late fees, loan accelerationAny advice on how to reduce my risk would be appreciated!Update: I know there will a lot of advice to not lend but lets assume I have to lend.  <response>: No matter what you have them sign, its going to be completely useless until and unless youre willing to take them to court over it. 