If someone called you, and told you that they wanted to give you $10,000 in loans, with extremely low interest rates, that you could use to spend on whatever you wanted, and in ten years, if you haven’t paid them back, the loan would be forgiven, what would you say? You don’t have a credit history, you don’t know this person, and you’re only 18 years old. You wrack your brain, but you can think of exactly zero reasons why this person would want to give you money.