<prompt> Human: Hey rpf I wanted to get some opinions,Ive been shopping around for student loans to finance my last year of undergraduate education need about 5k to pay up front, but the sticker price of the school is in excess of 70k. Assuming I can get a loan rate around 437;, Im considering taking out more than I need and investing the excess in an index fund. I understand the risksbenefits, Im just wondering what would you do? For hypothetical, taking out a 70k loan and paying it back in five years would put me down -7350 in interest, a 737; annual ROI if Id put that in a mutual fund and didnt touch it would be 28k in gains  <response>: Thats a terrible idea. You dont invest with borrowed money, ever. What if the market crashes and youre wiped out? 