The post make a good observation but shouldn't be taken as advice. For one, the majority of people will take out a loan to fund their studies. They do not have

The post make a good observation but shouldn't be taken as advice. For one, the majority of people will take out a loan to fund their studies. They do not have cash laying around to invest. Second, a very minority of the population, especially when young, has the patience and rigor it takes to be invested through the tantrums of the market over a long period. Third, past performance is not a guarantee of future returns.