Young consumers often have not established their credit. Many do not have steady in- comes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans, Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive interest the same as any other lender. There are disadvantages in borrowing from parents or relatives. One is that they may not insist on your paying back the money by a certain time. As a result, you might let the loan drag on. This is especially tree if you axe not required to pay interest. This is not the way to develop good credit habits. The passage is mainly about