Investment Account Line Of Credit (Margin Loan)

• Interest only payments make this much easier on monthly cash flow.

• Allows parents to leverage non-qualified investments without having to liquidate, pay taxes and draw down funds earmarked for retirement.

Intra-Family Loan

• Reasonable interest rates and payment terms can make this an attractive option.

• Provides a classic “win-win” in terms of interest earned by the lending family member and less administrative qualification compared to financial institutions.

Private Student Loan

• Usually at a higher interest rate than the Federal loan.

• Requires a parent to co-sign (not required for the Federal student loan).

• Will have a structured repayment program.