get a life, get a loan, go and travel, you have a job to come back to and will pay off the loan. You will regret it if you don't take the opportunity. A few years down the line you will have money but no free time and will look back on an opportunity to go travelling and wish you had taken it before you got on the corporate treadmill. You don't need much money to go travelling, once you have your air fare paid you can live very cheaply. it's a no brainer really. You cam always borrow off a credit card, yes it's expensive but what's a few grand. It's nothing these days. You can only do these things when you are young(ish).