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It's actually quite simply, to answer the question what I would do in your situation, i would simply not take the loan.
Why would you?
The so called "safe" methods of earning any return on cash, bonds etc, are atm FAR from safe, and barely provide any returns whatsoever, absolutely not worth the risk of borrowing and investing money in them.
The market is so bubbled from fed funnymoney right now that anyone stepping in right now is simply setting himself up to get roasted, and doing that with borrowed money would be stupid x 2.
Anything else that "could" give bigger returns will automaticly mean totally retarded risks have to be taken (with borrowed cash..), if that does not sound like a bad idea to you i'd put that bottle of whiskey down and rethink it all again tomorrow...
I'd only take the loan if i had a great biz idea and i'd lack the funds myself, other than that, there are zero reasons to take it.
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