<prompt> Human: Hey guys,I am a first-year college student. This year, I had to take out 8500 dollars in loans to attend. I got a job as an RA for next year, so I will not need to take out any more loans. I am studying English Education possibly editing-writing-media, an english degree with an emphasis on technology and editing.My question: next year, should I take out loans anyway? Would it be smart to have money for studying abroad, buying a car, being able to go to cities for internships NY, DC, etc.? If not, then should I start trying to pay back the loan while still in school? I dont know how much this is going to affect my future, so I want to hear what you guys have to say.Thanks so much!  <response>: Dont take out loans you dont need. 