<prompt> Human: Hey all, Im a 21yo student, and I will be studying in Korea from September onwards. Im off in August and thought, this is the perfect timing to do some traveling in Asia, as Ill have to be in the region anyways. However, in order to travel I need money. I wasnt able to work enough during the past months to save money. So I dont have any saving of my own. Im however receiving a loan of 550 monthly, which I have been putting on my savings account from day one, because it is a loan with great terms government student loan w 0.05 interest little monthly payment which I have to pay as soon as I work full time. And at the moment I receive more interest by having it in savings than Id have to pay interest. Would it be unwise to use a portion of that money to spend in Asia? Or should I not touch that money at all, as it is still a loan? Because the word loan still scares me a bit.  <response>: Any time you spend money you dont have, you are taking a risk.How big of a risk it is depends how much you are spending.If this is 1 of the cost of your education, its probably a non-issue. If its 10 of the cost, youll notice it. 