<prompt> Human: Is there ever a time where it actually makes sense to take out a loan rather than drain your savings? I dont have any credit cards and I am a 23 year old student. Im thinking of starting a credit card next week. I have two more years of school to finance, and Im figuring everything out.  <response>: Is your plan to finance 2 years of school on a credit card ? That sounds like a solid nope 