And then there is this MS story from tales from the crypt...
Years back you could get student loans with 0% interest in college and invest then in banks or preferred stocks at up to 15% interest. These days students pay student loans with interest in college and investment rates are so bad they are even negative in some places.
See how Japan has gamed the interest rate limbo game. It answers the question "How low can you go?"
http://thediplomat.com/2016/02/what-...interest-rate/