Remember when borrowing money from your parents meant a guilt trip, not a 6.4% APR? Well, welcome to Georgia, where mom and dad apparently moonlight as Wells Fargo—just with more casserole and fewer hidden fees.

MarketBeat.com asked parents how they handle family loans , and it turns out the “Bank of Mom & Dad” is tired of being a charity. Nationwide, the average parental interest rate clocks in at 5.1%. But in Georgia, a state that clearly believes in pulling yourself up by the bootstraps, parents have decided if junior wants gas money, it’s going to cost him just below credit card levels of interest. That’s right: Georgia moms and dads are charging 6.4%, enough to make American Express nod in respect.

And Georgia isn’t even the worst. Nebraska and Oregon parents are basically running

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