Another option is trading: day, swing or mid term. Long term trading can be considered as Investing. However, if you have amazing trading skill, it is quite possible to make $10K out of $25K trading account. However, trading is very risky and takes time & effort. I had invested $20K and lost all of them in trading cryptocurrency. On the flip side, I could have earn $100K (I have made 2000 LTC two times). But I would say, I have learned a lot about all kinds of trading and in future, can make big bucks out of it. My story!.

I have some loans just like you, but I keep learning trading in simulator.