<prompt> Human: Hello rpersonalfinance!I would like to hear your opinion on a private investment opportunity available to me. Here is my situation:- Net worth of about 7000- 85,000 salary- Saving around 1000 a month- 20,000 in savings currently- 13,000 in college loan debt at a combined rate of 3.6The investment opportunity is for 4 years for expected total ROI of around 22. However, some of the money is returned as early as 1Q of 2018, so IRR is estimated to be 9.2. I dont have a real reinvestment strategy for the money or other ideas on where to invest it in at this time. The investment opportunity is extremely low risk, with 97 of avoiding loss based on the market performance over a long time. I dont have a limit on the amount of money I can invest, the investment is due by October this year. Could I be doing something else with my money that is also low risk and could yield higher return in the same timeframe? I am mostly interested in similar short to mid term investments.Please let me know if I could provide more useful information to describe the situation.  <response>: You could start with what the investment opportunity is 