<prompt> Human: Im currently at 5th year Senior that pushed back my graduation just to study abroad. I dont think the whole backstory is needed for my question so I will just leave it at that. Currently, Im 30k in debt. Luckily however its all loans from my parents with 0 interest attached with is a blessing but it is debt none the less. Ive always wanted to study abroad during my Undergrad, but because of personal reasons I havent been able to. I found out yesterday that the courses I would take abroad will not transfer back to my University. I was considering looking at another program in my field so the courses will transfer but they are terribly expensive. The program I got into is only 12k. My advisor suggested that I go study abroad with this program and just come back next summer and finish up my courses. However, if I decide to study abroad AND finish up in the summer that will roughly cost me around 20-25k. Studying abroad seems like an amazing experience. Everyone I know that has gone says you have to do it and its a life-changing experience but I just dont see how adding 20k to my student debt will be worth it. Im guessing around 15k of that will have to be from bank loans, as I wont be getting any assistance from my parents after this Im not complaining. I know scholarships for education abroad are an option but my GPA isnt the best and Im not sure how much money I could get. Im kind of weary as well because Im not entirely sure if I will be able to get a job in my field right away after graduation. My Resume isnt bad, Ive been really involved on campus and have held two great internships but you just never know about the job market these days. Ive already started paying back some of my parent loans but it hasnt put a dent into the total by any means.What would you do in this situation?Assistant: if I decide to study abroad AND finish up in the summer that will roughly cost me around 20-25k. Absolutely not worth it. You are better off graduating early, then taking 2 months to just travel abroad. It will cost you way less, and youll even have a better time while traveling. Human: I second with Ed said. What is the difference between studying abroad and traveling? The way I see it, you can dictate how you spend your time and money just traveling and you will probably learn more about the culture through immersion as opposed to dedicating your time studying.Assistant: There is a huge difference between studying abroad and traveling.  <response>: Theres also a huge difference between paying for credits which matriculate and those which do not.Some would say a bigger difference than the one between studying abroad and traveling. If you can service the debt I say go for it. An academically themed 6 month adventure sounds fun. 