<prompt> Human: Im a college student working part time, and Im soon to be in need of a new car. the problem is, with what I make right now, itll take far too long to save up. I do have a small emergency fund, but obviously Id like to avoid draining that. Im considering using a student loan federal direct subsidized to help towards the purchase. right now I get enough grants and scholarships to pay for class, but barely, so taking the loan would basically be just for purchasing the car. how bad an idea is this? Thanks in advance for the advice.  <response>: how bad an idea is this? Pretty bad. 