I really hate to encourage spending when you probably shouldn't, but life is meant to be enjoyed. If that loan is going to bring you a lot of happiness, & you know you can & will pay it off, then I say go for it. If life was only about saving money we'd all drive Toyota Tercels ya know? It isn't the mature thing to do for sure, but I believe life is about being happy. So be responsible, but have as much fun as you can ESPECIALLY when you are young!!!