<prompt> Human: Hi folks! Im not sure if this post belongs on this subreddit, but here it goes. Trowaway for obvious reasons. TL;DR: Should I go into student debt with favourable terms and invest most of the borrowed money for decades, or should I loan as little money as possible, but not invest any?I am from an European country and I will go to University in a month. Im very excited! But part of growing up, is how to deal with money of course. Many of you will think I am in a privileged position, and I am aware of that fact. But I would like to use my current position as well as possible for the far future. When I was young, I inherited money from a very close relative. A family member of mine manages the bank account for me, until I become 21 years old. There is around 70000 US 81000 on it. The money is meant to support my study and myself later in life. Monthly I will get 400,- 463 from that bank account. - Per month I will be spending around 1100,- 1274 according to my university, including the costs for studying at the University.- Ill get 650,- 753 400,- 463 from the bank account of my family member. That makes 1050,- 1215 per month. Therefor I need little student loan for studying.This leaves a gap of around 50,-, which should be no problem. The conclusion is, that it is not necessary for me to go in debt. But here is the thing:In my country, the state provides every student with the possibility to borrow from 0,- to 80000 US 93000 and everything in between. There are a few favourable terms in this loan:- The student will get a maximum of 35 years to pay the money back. If the student did not succeed in paying back, the state will let off the debt. - When a single student earns 100 or less than minimum wage, he does not have to pay the state for the time he earns less than minimum wage 143 with household.- Maximum of 4 of your monthly income can be claimed by the state.- The interest on the debt will be between 0,01 and 2This loan is very propitious. I could loan 850,- 988 per month and invest it right away and dont touch the money until I am in my 50s. Then I can pay my debts back via my other bank account and the simple fact that I will probably have a decent income. I assume you will be asking yourself what I need the money for in my 50s. I hope I can use that money to provide for my future grandchildren and make sure they wont have trouble with money like myself at the moment. I wont use that money for my pension retirement, since it will be taken care of by the state and my future employers. Ive been thinking about this plan for a while and I think it is not bad. But I would like the opinion of some sober outsiders, maybe to put myself down to earth before I do something I should not have done. Thank you for reading the entire text, I truly appreciate it.  <response>: Im pretty sure its against the terms of student loans to invest them. 