<prompt> Human: Please excuse me for any mistakes as this is my first time posting here. I am seeking advice on whether taking a loan to invest would be a smart financial choice. Backstory: I have an opportunity to take out a up too 25,000 loan from USAA, it is a career starter loan offered to newly commission officers in the military. The loan is available from 12 months before commissioning now for me the loan has an APR of 2.99 for 60 months and there are no required payments until 6 months after commissioning 18 months from now for me I am currently a college student with zero debt and around 15,000 in savings through some bonds and a personal saving account. I am on top of my expenses and am able to save about 75-100 a month after paying bills. A friend of mine has suggested that we both take the loan and invest together, he is more financially savvy than myself and has been successful in investments in the past. Would this be a good idea? What is information I should look more into?Thank you!  <response>: Your friend is not more financially savvy if he is suggesting this. Its a bad idea in every possible way. 