<prompt> Human: Im a 27 yo student, currently working part time.Ive been thinking about taking out a student loan for 30,000 to live off of for the last year and a half of my associates degree, but Im not sure if its the right move.I currently have a job that will net me roughly that much if I stay with it through graduation. I am in great standing with my retailcustomer service job, and for what it is, its good to me. But, Im only there because I need to pay the bills through school, and once I have a degree, I will seek employment elsewhere.The problem for me is that I am already behind on the required courses for graduation. Because of limited class availability and conflicts with my job scheduling, I could only take two classes last semester, and that pushed a required course back a semester, and my graduation with it. On the positive side, having more time to focus on each class helped me get a 4.0, so I was pretty stoked about that.If I didnt have to work, I would take on more classes than I am currently able to, and it would make it so much more feasible to graduate on time or faster and with better grades.I currently have 3k in savings. I have a high credit score 790 according to credit karma and roughly 15k in available credit from credit cards as an absolute last resort. My monthly financial obligations total about 950month before food and other personal expenses. Tuition at my school costs roughly 1.5k for 12 credits.I really want to improve the quality of my life by leaving my job and having more time for more classes and life in general, but not if it means making a huge financial mistake. Thanks for reading and for any adviceEditThanks everyone for the insight. Its pretty clear that the correct choice is to keep doing what Ive been doing, and only take a loan if I absolutely have to.  <response>: Never take on debt unless you absolutely have to. 