<prompt> Human: I start medical school this fall. I am taking Federal Unsubsidized Loans to pay for what I cant cover with savings. Based on my living expenses, school fees, scholarships, grants, savings, etc., I have access to about an extra 20,000 per year through the Unsubsidized loans 6 and 30,000 per year through Graduate Plus loans 7. The loans are distributed directly to the school, but whatever remains after paying for tuition and fees is deposited in my account. Is it unwise to take these extra loans and invest them? I know Im oversimplifying things a bit, but if these loans accrue 6-7 and the market earns about 10, couldnt these loans earn money if I invest them conservatively?  <response>: This is a very bad idea. First off most people estimate 7 average return, not 10. If you hit a bad year you are screwed. Besides some student loans would never go away even if you file bankruptcy. Dont do it, dont. 