There's a new Facebook app called "Agree It" that lets you request LOANS from your friends at a lower interest rate than banks offer.  The problem is, you're not legally required to pay them BACK.  So if you loan someone money to pay bills, or give them seed money to start a business, they could end up NEVER paying you back . . . and all you'll be able to do is unfriend them.

 

photo credit: getty images