<prompt> Human: Im a student and the semester is just about to end. I have not been able to work much this semester due to the demands from school, and therefore I have only about 600 to my name right now. In about 2 weeks Ill be working some more again but its only going to be about 400-500 a week probably. Im looking to take roughly a month long trip to South America, which I think I will need between 3K-4K to do. Once I return probably around the time school starts back up, Ill be able to work part time for the next school year, after which I will graduate and hopefully get a good job. This may sound like a bad plan, but heres the thing: I have very low expenses. During the school year, I only need to pay for my food about 80 a week, gas which is very minimal, roughly 10 a week, internet 50 a month, and whatever other miscellaneous cost I incur 20-30 a month. Everything else is taken care of. So really, I could have a 4K loan paid back in less than 5 months I think. So is there any reason I should not do this? I have never taken out a loan before and Im pretty sure my credit score is fine. I have heard of banks giving loans for vacations but is it very common? What are the interest rates like? How do I go about applying for a loan?  <response>: Would this be a terrible idea?Yes. 