<prompt> Human: I am a college senior studying mechanical engineering and I am an Army ROTC Cadet. Because of the military affiliation, I can get a personal loan of up to 25,000 from USAA at 2.99. I am doing well financially right now with no debt, a 1,000 emergency fund, a ROTH IRA of over 11,000, and a checking account that hovers around 500. I currently bring in around 7,500 annually between my ROTC stipend and dormitory RA stipend. Hopefully I will be able to start an engineering job soon after I graduate this May at around 60,000 annually. I would need to start making payments on the loan starting at 6 months after I graduate. My thinking is that I can take the full amount and use the loan to max out my ROTH IRA contributions for last year and this year using some dollar cost averaging. I could either invest the rest in a non-tax-advantaged account or it may prove useful to just keep it in a money market account and use it if need be to help me get started with living on my own. I am looking to you to critique my plan and give me advice. Thank you.EDIT: My thinkings is that I can earn more than enough money in return on my investments to offset the 2.99. My personal rate of return on my investments over the last year has been 23.2. I realize that that number is much higher than what a 90 stocks 10 bonds portfolio will usually bring in but even the average 9-10 that could be expected is enticing.  <response>: If youre financially fit why do you need to take out a loan? Terrible idea. 