<prompt> Human: So I am a senior in college and also in army ROTC. Ill graduate next May, but before then, I have the option of taking out the career starter loan from usaa, which is a 25,000 5 year personal loan at a fixed rate of 2.99. I was thinking about taking this and investing it all into my stock account. I currently have about 9,200 in my stock account and am about 20-25 up in the past year. Im trying to decide if this is a good idea or not? I could just end up making a small amount over the 5 years, or having to pay a small amount if I somehow go around even in the next 5 years. But ideally I would hope to pay the loan back straight out of pocket and leave the 25,000 in my stock account pretty much forever. Any thoughts on all of this? Anything is appreciated!Also, it might be helpful to add that I dont have any student debt due to ROTC paying for school. I currently have no credit debt and have fully paid off my truck.  <response>: Dont go into debt for what youll easily save from earnings within a couple years. 