<prompt> Human: Since my school uses the quarter system, in 7 weeks time it will be the start of my final quarter as an undergrad. I just accepted a full-time position after college paying 60kyr. Ive always wanted to study abroad and I think itll be a good way to end school with a BANG! after all of these years of schooling. I am in a position academically where I can study abroad, but I am not sure if thats the case financially. I have no money in my savings, just some money in a checking account to cover this quarters costs. My loans Ill have when I graduate are below:Format:loan name - principal interest APR grace period Stafford subsidized - 18,999principal 0interest 3.4 - 6 6 mos. grace Stafford unsubsidized - 10,899principal 1367interest 6.8 no grace Perkins - 9,667principal 0interest 5 9 mos. grace Total as of now: 40,921Study abroad will be for 3 months. The total cost of study abroadliving is going to be about 7500 in addition to next quarters tuition, which has already been calculated into the loan amount above. To cover this cost Ill have a est. 2500 tax return check, and my financial aid advisor guaranteed me a 1500 grant free money that I will only be eligible for if I study abroad. After having no success trying to find a low interest govt loan, I am looking at private loans. This is what Discover quoted me: 3500 loan 8.25 variable or 9.49 fixed. Since the variable also has a 2 graduation credit, thats what i am looking at.I havent always really been very financially conscious. This is my first time I have actually put a lot of thoughtresearch in a financial decision. I am trying to get on the right track especially once I start my full-time job. If you guys can offer up any thoughts, advice, or if you think study abroad is worth it thatd be much appreciated.EDIT: FORMATTING  <response>: I dont know much about finances but I do know this: Youll likely never have an opportunity to do something like this again its a lot different than a mere travel vacation as an adult and youll probably regret it if you dont. Youll always have the opportunity to make more money. Sometimes things arent worth spending money on, but experiences like this, especially when you already have a decently-paying job lined up, well, Id say go for it. 