<prompt> Human: I am currently a sophomore in Computer Engineering at a large university, and Im doing very well. Along with this, I am minoring in music as its been a massive part of my life and Ive been playing on a professional level for some time now. In order to progress in music, I really need a new instrument Well, several actually but theres no way thats gonna happen. This would run me up about 3,000, which I obviously cant afford, so Ive been considering taking out a loan for it. My reasoning is I think I can handle the extra loan, because with my major I have a pretty good chance of getting a good job when I graduate. On top of this, due to grants and scholarships, Ive only had to take out a grand total of 9,000 in loans for the first 2 years of school, and they are all federally subsidized so I dont have to start paying interest until I graduate. I see no reason why the grantsscholarships trend wont continue, and as such I think I will have a very manageable debt when I graduate. So is this extra 3,000 in private loans a good idea or should I stay away from it? Thank you in advance.  <response>: If you think the purchase might be unnecessary the killjoys on this sub are gonna LOVE IT!Financing personal consumption is generally an expensive decision. 