One more thing to consider is that you can not bankrupt against student loans and if you loose everything in the stock market then you will still have to pay it back. Secondly, there is no way to make a 4 fold return in 3 month and have a low risk, if it were truly that easy everyone would be doing it. I will also note that the best traders make on average somewhere in the neighborhood of 20% annually, and you are probably looking at paying 10-15% interest on a student with good credit. At those rates I would say that the risk reward ratio is not in your favor. The last thing that I would add is how well do you know this person, it seems to me that they may be lying or at least misrepresenting the facts. You should also look at what the person will be gaining from help you(nothings free). And always remember if it sounds to good to be true it probably is.