22M uni student, I can lend at a rate of 2.33% which fluctuates around 2.3-2.6% every year.
I have 13k student debt from 2 years ago where I was stupid and moved out. I moved back in and been saving up with little to no fixed costs and invested about 4K again.
Should I lend around 1-1.2k a month and invest with that as well? I would receive around a 5k chunk right away and 1-1.2k for the rest of 24 months.
Most if not all will just go in ETFs like I’ve been doing, however I’ve been hearing a lot of noise surrounding the markets and coming to a crash.
I also know time in the market beats timing the market.
I don’t really go out, work part time, and have a girlfriend that’s going to work full time and she knows that I can’t be spending too much right now.
What do you recommend I should do?
1. Loan and invest
2. Just do nothing