What would you do? Grad school loans

[Cemone Cowart]

Looking to invest after grad school And need a little advice. I would consider my debt from undergrad low -$19k and I have been working hard not to pull out loans for grad school, which would cost me another $15k for the semesters I have left. I can afford to pay out of pocket but someone recently suggested I use the loans I qualify for and start building capital with my own money then pay off loans with money I make off investments. What do you guys think? I'm a little worried about pulling out loans because I don't want to have a high debt to income ratio. Thanks!