<prompt> Human: My girlfriend and I have been planning a trip for a while now to Denver Colorado. I had been saving money for a while and had about 600 saved up before I got into a car accident. Needless to say that money is now gone. If we were in our late thirties, putting off this trip would be no problem, but my girlfriend still goes to school, and I work full-time as a valet and part-time as a stand up comic, so our timeframe for getting this in would be either now or over her winter break, or possibly further into the future. As Ive gathered, I have the problem most of my generation has: zero or negligible experience with personal finance and banking plus bad credit from student loans. Long story short: would it be okay or even worth it to borrow 400-500 as a personal loan for something like a vacation? I have no experience with loans, but I do have a steady income. To put my financial situation in perspective, if somebody said you owe us 500 dollars and you have 3 to 4 months to pay us back, no interest, I would be able to do that with relative ease. Literally the only thing that has hamstringed me is the timetable that we have.  <response>: I say yes, bad idea. If you can put it off until winter break do that. 