<prompt> Human: I recently learned I have access to something from USAA called the career starter loan, for individuals about to receive a military commission Im going into the reserves. here are the basic terms: up to 25,000 available, 60 month loan, 2.99 APR, no payments due until 12 months after commissioning. I heard about this before, but I didnt think I could find a suitably low risk investment with a return that would be reliably over the interest rate to make this worthwhile. Since then, Ive looked into alternatives to index funds, stocks, and bonds and found lending club, which although having a variable return has a relatively tight distribution around 7 I would invest in all C grade notes. My source of concern is that this may make me significantly over-leveraged. I have about 4000 in cashsavings, no debts aside from a credit card I pay off every month, and 9000 in stocksindex funds. I will graduate after this summer and according to my budget for the rest of my time in college will finish with about 900 in cash left and without touching my current investment. I dont have a job lined up, but Im pretty confident I will find a good one that I can go into shortly after graduation. The sources of risk I see are either that my return on a 25000 investment dips below 3, or that there is risk from the lending club platform itself never used it before, but I believe if Lending Club itself goes belly up I dont have a way to recover my capital. after doing a few simulations on excel, it looks like if everything goes well my expected profit would be between 3000 and 4500 after the loan is paid off. My questions are:1. Is lending club, all C grade notes from different lenders, a good investment idea? Should I invest elsewhere or attempt some diversification?2. Is taking this loan on for an investment worthwhile? Is the risk too high, or am I missing some other source of risk?3. other thoughts?  <response>: No. No no no no. Do not do this. Dear god no. 