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.
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If you are not able to pay it back then of course a loan is risky because you will have to pay it back no matter what.
What I suggest is that you do not gamble with loan money because that is going to mess you up.