<prompt> Human: So its 30,000 at .75 APR, and I get 5 years to pay it off, dont have to start paying it back for another year or so, and I have a good job that means I shouldnt have any trouble paying it.Everyones telling me to get it and invest, but I dont know the first thing about investing. I literally have a checking account and a meager savings account. My paycheck usually leaves my with about 100 to put into savings each month, but Im overdrawn by 1200 right now. Ive been saving up for a trip, I was double charged for the tickets, and while I talked to my bank, it doesnt look like Im getting the money back. The best I can do is turn one of the tickets into credit with that airline company, which doesnt change the fact that Im overdrawn. Edit: maybe take out enough to get back into the positives in my checking account, and to start paying into a Roth IRA? Like under 10 000? Im not looking for excuses to take it, I just got hit with an expense I wasnt expecting and cant afford.  <response>: Dont take a loan you dont need.Borrowing to invest is basically investing on margin. Dont do that. 