<prompt> Human: I was poised to end this summer with some impressive savings from working a ton and being frugal, preparing for graduation in a year to be able to comfortably afford moving away from home and other niceties. However, due to a mishap I agreed to loan my family most of what I had saved until they could pay me back over the course of a few months, including my emergency fund.My question is, would taking a student loan for the express purpose of having an immediate safety net be a reasonable idea? My tuition is largely covered by other sources of financial aid, and comparatively my loans arent that large over my whole university career maybe 21k total if I do this. Im not planning to use this loan for anything but a temporary substitute for my savings until theyre paid back or worst case, replacement if theyre not. I make enough that my month to month expenses arent a problem even during school, so it wouldnt be a lifestyle buffer either, just for comfortemergency.Thanks!  <response>: Dont ever take out any loan for a safety net regardless of the interest rates. If your tuition is largely covered by other sources and you are continuing to work, just continue to save. 