<prompt> Human: Please put all of the ethics questions to the side and look at this strictly from a financial perspective.I have college completely paid for through my father, and am considering taking out federal loans to front-load our IRAs to get a head start in retirement. I have already taken out about 10,000 to supplement our income, but I now have a better job with the state to where I no longer need to do that. I am going to school part-time and will not graduate for the next 6-7 years. I am approved for at least 10,000 a year and would take out a loan every year, resulting in about 70-80 thousand dollars in debt. I would put the majority of that into our Roths each year and either save or invest the rest in a brokerage account. I plan to work very hard to ensure that I am able to get another job with the state once I graduate as a civil engineer starting anywhere from 45-60K a year, get put on an Income Based Repayment IBR plan, and after 10 years of qualifying payments, utilize the Public Service Loan Forgiveness PSLF program.Every time I run the numbers it ends up being a pretty good deal, with me paying back around 40-50K through the IBR, netting about 20-30K, and getting a nice retirement cushion early in life that I can possibly pull from for a down-payment on a house.The only thing that worries me, is the possibility of the PSLF going away, or me deciding that I no longer want a career with the state and go find another job. My main drive to work at the state is the benefits I would most likely be able to retire by age 51.Am I being naive, or is this actually a very viable financial decision? For me personally, the reward outweighs the risk. Thank you all for your feedback.  <response>: Yeah it works out. Its not safe or ethical, though. Student loans are super dangerous. If your financial situation changes at all, you cant shake this debt. Its super risky if you hit a large financial hardship that you dont currently expect. 