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 A non-record keeping form of borrowing called Hawala is also used to obtain loans. Any unit of a programme based in the US for a specific duration will make the student ineligible for direct loans. The draft interpretation note states that an interest-free loan will be included in gross income only where it constitutes a quid pro quo for goods supplied or services rendered. It is typically used by private lenders to determine student loan interest rates. However, if you still feel obligated to help your stepbrother with a loan, take steps to protect your money and your relationships.  Easy Fast Money Jobs

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