Taking a loan is indeed one thing that must be avoided. but for some people who really have urgent needs and there is no other way, borrowing is like a solution at that time. but yeah another problem will come later. what we have to do is we have to be able to measure our personal finances. even if forced to take a loan, it must be adjusted to our income, that is, we must know to what extent we can still pay. and if it feels beyond our ability then it is better to avoid it. this is where it's important to always set aside money for backup plans and emergency funds. so that when we need money urgently we can avoid loans by using an emergency fund.