<prompt> Human: I didnt have to take out any student loans because I lived at home and won scholarships. But I had the opportunity to take out loans every semester, something like 5k or 7k a semesterIt just hit me, that I could have taken out every loan possible, perhaps 40-50k total, and put all of it into a mutual fund or some other financial instrument such as a CD, and then when I graduated and had to pay it back, I could pay off the principal immediately and keep the interest.Or is this an idiotic idea?  <response>: This is probably an idiotic idea. You had no way of knowing the stock market would have the great returns it had in the last 4 years. What would you have done if the stock market had gone down 15-20 a year instead of up 15-20 a year? 