<prompt> Human: My country has offical student-friendly loans whose interest rates are linked to the EURIBOR. Id get 650month with an interest 3,28. I dont need a loan, but thought about getting one to start investing early, in the hope to make more than the 3,28. I study psych and aim to become a therapist. Please give me your perspective on this.  <response>: Doing so would be equivalent to buying stocks on margin, financed at 3.28, which is rarely a good idea. 