Heylo! Kudos to saving and setting your goal to do your degree. Depending on your degree, it might actually cost more than 10K now. I think you have to be clear by setting goals. It seems like you have 2 goals. One is to get a degree, one is to invest. While you can do them both together, studying is a huge commitment in terms of your time and of course $. So you might have to prioritise what is more important to you. For me, I would avoid loans (unless interest free) to pay for my study! Good luck!