<prompt> Human: I have 20,000 in student loan debt. So far, I have paid almost nothing on the loans because no interest has been charged as I qualify for a 0 repayment and I know having more money in my account is an easier way to make money. I will start being charged interest in roughly 8 months. That is when I will pay the loans off in full. I have roughly 21,000 total, not counting my 401k or Roth IRA.I dont make a lot of money, I have been unable to find full time employment after graduating college, so I have been working roughly 23 hours a week at 15hr equalling to something around 230 net. I am off on Fridays and I sometimes will substitute teach when possible, which earns me an extra 100 or so a week. My bills are very low. Ill estimate 200month. I live with my mother. I just moved back in with her as I was fearing the loan repayment was going to drain my bank accounts.I have no health insurance or paid time off or any benefits other than the 401k, 7 match from my employer. So basically I am working for the money and thats it. Ive been told I do not qualify for Obamacare or food stamps SNAP anymore. I am looking for better employment and have been applying, but until that comes along, this is the situation I am in. I want to use my money that I have now, to make more money before I have to use it all to pay back my loans. I have purchased and sold penny stocks in the past with the help of a seasoned penny stock friend, but now I would like to try it on my own. Ive been reading, researching, joining chatrooms and watching videos on strategies. The problem is working this first shift job 9 - 3:30, Monday - Thursday is blocking out my time in which the market is open. I can check stocks at work, sometimes, but I certainly cant baby sit them like I should. Yes, I do sometimes have a Friday free to check on the stock market, if I dont substitute teach, but even then I dont feel like I know what is going in, since I havent been able to get involved the previous 6 days. Ive seen the kind of profits that penny stocks can bring in and I would imagine with some knowhow and a little luck, I could make more money investing 3000 or so of my 21,000 on some penny stocks than I could working for 23 hours a week. So I was thinking, I could quit my job, work on penny stock investing before I pay the loan in 8 months and hopefully make more money than I would at my 23 hour a week job. During that time I could also continue to search for a better payingmore permanent full time job and substitute teach if necessary or if the stock market is not going my way. Alternatively, if you think that is a bad option, should I consider investing all or some of that money into something is likely to yield at least somewhat of a return before the big loan payoff in 8 months? I think there is a retail index with Netflix and some other companies that does pretty well, I havent researched it much.Im not sure exactly where to post this so I will cross post in the couple subreddits that this may pertain to.  <response>: What youre proposing is gambling. You should not quit your job and gamble for a living.If you have the know-how and resources to reliably beat the market gambling with penny stocks, youre foolish to do it with 3,000. Youd get paid several hundred thousand dollars a year to do it with other peoples money.Youre not the first person to make a few hundred quick bucks gambling and think wow, this is a legitimate job that I should do full-time. Dont do this, its a bad idea. 