<prompt> Human: EDIT:Thank you to everybody for all the feedback and advice, not just for the loan but also for living inaround NYC generally. With this whole process being so stressful, I am grateful for the help. I definitely will steer clear of that loan and only view it as a last resort.A little bit of backstoryI am a recent undergraduate who is immediately moving into an MA program located in NYC next month. I am engaged and will be living with my fiance if all works out. My school will be giving me a stipend of 22k per year, and my fiance will most likely be making more. She works in child care currently and is planning to continue doing so once we move to the city.A typical affordable 1 bedroom runs anywhere from 1500 - 1800 month, and while we can afford this barely, its the ridiculous qualifications and hoops that NYC landlords require tenants to jump through that are killing us. Most landlords require tenants to make x40 rent annually 60k combined or use a guarantor of some sort. No one in either of our families is in a financially sound enough position to do this, so we will most likely be forced to use either a guarantor service requires 80 percent of a months rent, or pay anywhere from 3 to 6 months rent upfront. We have combined 2000 dollars in savings, but that is not nearly enough for us to move down and begin living there by the time my MA program begins. Would taking out a personal loan be a viable move? I am thinking of taking out anywhere from 5000 - 10000 dollars, as this would be enough to cover the fees plus help with any unexpected expenses that occur as we adjust our lives.Thanks a lot for reading.  <response>: I dont think Id take out the note. Youll be hit with interest fees and youre barely able to afford your current situation.As much as it sucks I would look to find roommates. If you can find a place renting a room or master suite for you and your fiance it will be much more affordable and less stressful. 