<prompt> Human: I just paid for school, have a savings, and only small credit card debt of 750 that I can pay off now. Would it be dumb to get a Stafford loan with a fixed 4.66 and max out my Roth IRA? With average stock growth of 8 per year and compounding interest Im 20, would it be smart to invest now while young? I know its not smart to rely on the stock not plummeting but if its in a low and a medium risk etf if an emergency happens I can always cut my loss and take the money out to pay it back.  <response>: Yes. 