<prompt> Human: I recently received in the mail a wonderful letter saying I qualified for a 95k personal loan at just over 5. Like most credit card, loans, car loan, etc offers I scoffed at it and threw it into the shredding pile. Later it caught me that it was in fact a lot of money. A little about me - early 20s, 90-130k income varies, low expenses, mid-life car, no rent currently, good health insurance, around 15k in student loans left at between 2-6, credit score 800, about 50k of credit through cards available. I have an investment account currently worth about 25k. 401k is solid. Im wondering what reason there would be for me to think about taking thisa personal loan? Mortgages have lower rates for homes, auto loans are much lower. If I had high interest student loans, sure. Googled most of the answers and none really applied. The only logic I saw that might be reasonable is to invest it, but I dont know enough to guarantee 5.5 returns. I understand the bank cares little about me and wants to make money here, but to reiterate, what reason would I have to take out a personal loan at this time?p.s. throwaway because my normal account is full of bs and a little personal info. Best to keep that separate.  <response>: No 