<prompt> Human: Hear me out here, because Im not trying to go into a crippling amount of debt. But this scenario makes sense to me.Im being offered about 3,000 per semester of subsidized student loans. Essentially, from what I understand, the school thinks I need this extra 3,000 per semester to survive and cover all expenses that my scholarshipsgrantsetc arent covering. However, I dont need this money because I live frugally and work a good bit while in school. For that reason, I havent accepted the amounts offered to me so far.However, Im learning that these loans are subsidized which essentially means I do not have to pay ANY interest at all until 6 months after I graduate. It sounds almost too good to be true, right?My question is, whats stopping me from taking out the 3,000 or so every semester and putting it all in a Schwab index fund for the next two years until I graduate? Im studying a major that pays very well after graduation, I live very frugally, and I see no reason that I wouldnt be able to pay back the money before interest starts accruing. Also, I already max out my Roth IRA every year so this extra money would go into a normal taxable brokerage account.Im aware that 12,000 invested isnt exactly going to make me significantly richer, but its seems like a sound financial move assuming I just pay off the balance within 6 months of graduation. Worst case scenario I could just withdraw the principal that I invested and pay off the loans, keeping any interest I made. Is this a bad idea? Thanks in advance.  <response>: If you dont need them dont take them. No offense but most people here tend to lean towards the most complicated scenario thinking it will benefit them. This scenario will not. 