Originally Posted by fivebyfive

The loan goes into the F9 books as an asset. It goes on the new hires credit score as a liability and affects their debt to income ratio. I know you realize the importance of credit and DTI when applying for things such as a home or car loan and interest rate. $52,000 over 36mo is looked upon as $1,400 per month outgoing debt when calculating DTI. Not to mention, you sign away the possibility of taking FMLA or a short term LOA of any kind without paying back the loan with interest.