<prompt> Human: i have enough on hand to cover the cost of my final year in college, but paying for everything in cash would leave me with only 3k in savings, so about a 3 month emergency fund for me. i have the option to take an unsubsidized federal loan of 3750 at 3.76 interest, plus loan fees. the minimum payment on this would be 50month, and i could easily pay more than the minimum once im finished with school have time for a 40hr work week. i feel like having an extra 3 months to get my shit together after graduating trumps the extra money ill pay in interest and fees long term, but is there anything im overlooking? this will be the first bit of debt to my name, so ive never dealt with the process before. thanks in advance.  <response>: If youre not currently working, take the loan. If you have a decent job or one lined up, Id pay it off an save the future headaches and paperwork. 