@LordWill Be careful to be flippant about debt. Here is what debt is: It robs from you future. It robs your future dollars, happiness, security and flexibility.
You may be all YOLO for 4 years. BUT you will have to pay it back…over 10 or maybe 20 years! So no more YOLO at 24, 26, 28,30 and maybe even 35 and beyond. You’ll be working off those 4 years for a looooong time. All the money you could be using to enhance your career (when you are finally getting some traction) will be servicing debt.
I know that’s throwing shade. But … it’s better to hear it now then be stuck in the poor house at 26…when the situation could have been avoided.
Good luck … and good for you for asking. Just be careful about cheating your 26 year old self.