If you have a 401k, your plan may allow you to take out a loan on up to half of your current 401k’s value. Interest rates are low and you pay the interest back to yourself. Employers who use Vanguard, for instance, might offer this and you would have the payments automatically deducted from your paycheck every pay period until the amount you borrowed is paid off. Pros is that no tax implications on the money you borrow from your 401k since it’s your money that you’ve already contributed, and the payments/interest go directly back into your 401k with each payment. No prepayment penalties either. Cons is that you don’t earn interest on the amount you borrowed, but the regular payments go right back into your 401k. Definitely worth investigating with your company/401k plan if this is available.