Re: Going Pro?
No, 10k hands is not enough to determine a reliable win rate. 3.5 is good, and more than likely you are a winning player but don't base your decision to go pro on 10k hands.
Yes, you could take out student loans and all that and have money to reinvest in bankroll, but I sure would not recommend it unless you have to. If you don't take out the loans you are going to be so far ahead of the game when you get out of college. Instead of worrying about paying back your student loans after college, you can worry about paying for a house, or car, or whatever. Don't borrow unless you have to. Think long term. just my 2cp.
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