<prompt> Human: Im wondering if I should take out a Federal Direct Subsidized Loan 4.45 interest to pay off my college costs and invest my money into index funds or the like. Info about me Im 18 yrs old and about to be a freshman in college Have 1200 saved up PNC Virtual Wallet Cost to attend college for first year: 2500 My first bill will be due on Aug 31 and be 1250 and the second one around the end of the first semester. I expect my costs to go up slightly for the coming years. So should I just pay as much I can and cover the rest with loans or solely cover my costs with a loan and invest my money?EDIT: I got the idea from watching a YouTube video. I felt it was too good to be true so thanks guys for telling me its not worth the risk at this point in my life and that my primary focus should just be to finish school with minimal debt.  <response>: Dont borrow money to invest. If you can pay for your schooling with cash, pay with cash.Your best investment is to come out of school with no debt. 