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this post was submitted on 16 Jun 2026
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As others said it depends on many factors.
What are interest rates like? If they are low and economy is strong, then absolutely 20k and then invest in a very stable index fund or CD that pays out more as long as it's more than the interest, that's not really because you need the money though.
If you're truly broke though? No loan is a good idea unless you know when you can pay it back. I'd say a credit card, but unless you know you're going to have $100 in 2 weeks to pay it back, well, that's how credit card debt racks up. If you can't afford to pay it back then you can't afford it.
Ok what if I use the loan to have surgery to re-attach my neck and shoulders to my hips so I can literally pay my back?