<prompt> Human: so I got 16,000 in Loans at a low interest rate of 4.837;. It would make more sense to me to invest this money someplace that will give me a higher rate of return than to pay it back. Anybody got any suggestions on how to invest this money?  <response>: You cannot invest it, it will violate the terms of the loan and they can demand immediate repayment. Also never invest loaned money unless you have the cashflow to cover it. 