this is the ramsie call of the day part of the ramsay network

joining me today is ramsie personality ken coleman james is in philadelphia hey james what's

up hey dave how's everything going? Better than I deserve.

How can I help? Good, good. So, Dave, I'm a current third-year podiatric medical student. My wife and I were

currently debt-free, and we have enough money to save for, or we have enough money to save that we can pay

for the rest of my tuition. But now with the current politics and the environment that's going on with the

student loans and what's going on with the federal government, we're now considering taking

out a loan for almost 50K student loan, and then using that money to invest, especially since

there's zero interest on federal student loans. We would do that with the option to pay that right away off once the interest starts to accrue.

And then once student debt forgiveness is officially off the table.

Do you think this is a smart decision in your eyes?

So you're doing this in the hope that you don't have to repay it?

Not necessarily.

More or less, we would invest it while there is 0% interest accruing.

But if the off chance that student debt does get forgiven, we would basically just, I mean,

save our back then because we would be a little bit disappointed if student loans were

forgiven when we paid out of pocket all this time.

Okay.

Well, a couple of breakdowns in that where you and I are not aligned and I'll walk through those with you because you called and asked us.

Okay.

So the first thing is, I'm not aligned that we take out student loans with the hope that they are forgiven,

because to me that's like taking money you weren't supposed to take because you didn't need it.

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