OK, so I'm in a quandry as to whether I should use my student loans to invest. I'll just lay out the cards... I'm planning on going into family med in a rural setting, and I am reasonably sure that by working in an underserved location I can get my loans "forgiven" for a 3-4 year committment. In comparison to most of my classmates, I live very simply and housing is very cheap, which several thousand left over. My preference would be to invest it in a Roth IRA, to protect from taxes. Questions: 1. Is it legal to use unsubsidized student loans to invest in a Roth IRA? 2. Before entering a practice that offers loan forgiveness, would the account be audited (and would they be mad that they were paying off loans that I would have in a Roth)?