And another thing Christine, your aunt let you borrow the money interest free. Had you taken a loan, even at 3%, you would owe the bank an additional $3780 in interest over the 8 years. Money that your aunt is willing to forgive. So your aunt not only lent you 30K, she also is forfiting 3780 in profit she could have made in a smart investment.
Good point, not to mention how much the value of the dollar has declined. Gasoline, alone, was at least 40% less, back then, so even if the $30,000 is repaid in full, it still is a net loss (although Auntie did engage in some financial speculation, regarding possible profit).