If you received interest from a personal loan, YOU do not complete a 1099-INT. If anybody completes one, it is the person paying you the interest. But individuals do not usually have to file a 1099-INT, just banks and similar companies. You report the interest from your own records. You report the interest on schedule B, but you don't send anything to the person paying you unless the loan is a mortgage. Then you send form 1098
