Loans actually can be very risky, but if you know that you are able to pay it back then it should be no problem at all.
Take only a loan when you need something that is important and if you can pay it back.
If you loan some money of course it is your responsibility to pay it back once you gave the exact date then pay it on the exact time you gave because people are trusting you because you ask a permission to barrow some money and if you can't pay that back then don't make some loan