<prompt> Human: Recently graduated college and just received my offer to work at a company for 70k and a 1.5k signing bonus. I wont be starting work until January and am looking to travel in the meantime. Ill be living at home until then essentially making my monthly expenditures gas, drinks, and food 300. My current credit score is 740I currently have 3,200 cash on hand after booking a trip to Europe. Could be a bit less depending on how I do over there.I also am wanting to go on another vacation since this is the last chance I have. Since I booked the Euro trip through my new Chase Sapphire card I should have roughly 55,000 points towards my flight down to the Virgin Islands with the trip costing 1,800 guessing 700 expenses while sailing.That leaves me with anywhere from 250-750 remaining going into my job where Ill need to buy some more clothes, furniture, and make a deposit on an apartment. With that being said Im looking at Earnest for a personal loan. I would be looking at taking out a 4,000 loan to give me some cushion until I start my job. Since they have no penalties for paying it all off am I ok going for a 3 month term and paying it all off as soon as possible? Or should I do a 1 year term?  <response>: Why the hell would you take out a loan of any amount to go on vacation Edit: get at least a part time job in the meantime 