<prompt> Human: Hello all. Im looking for some advice, Im starting university in September and want to open a student bank account, to recieve my student finance.Many of the student bank account options boast 1500-3000 overdrafts at 0 interest. In my research Ive also come across a term called Stoozing I believe, wherein one takes almost their entire student overdraft and places it into a high interest ISA. I find this option very tempting and wanted to ask about the feasibility of it.I will be getting student maintainence payments and I work full time, which is why I believe the overdraft wont be too missed. Another reason Im considering this is that the likelihood of slowly nibbling away at it leaving nothing to show for it at the end but debt is, whole low, still higher than I am comfortable with.Any advice or further reading anyone could offer would be greatly appreciated.  <response>: If you were to borrow the full amount you listed above - 3000 GBP, and put it in an interest-bearing account lets say at 2 if you took the best possible deal you could find, you would end up with only 60 GBP profit after one year. That would be your maximum possible profit with this plan.On the other hand, your maximum possible loss is much greater. You might experience any number of situations where you have to use some of the money, or cant pay it back before the 0 interest rate expires. You may face personal or professional challenges that make returning the funds impossible.Given the very small upside and very large downside, I dont think this would be a smart investment - but only you know if you have the discipline to minimize the risks here. 