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.
When they are in a state of financial urgency and they don't have savings or assets that they can rely on to meet their needs, of course, the short cut is that they will try to find a loan, maybe borrowing is something that is really not a good thing to do, but at this very important moment will have to be done, especially constraints in need or urgent needs, and they are fully required to have to calculate their loan with income, so that later they will not be constrained in terms of payment.
There are people who borrow money to meet unwanted needs. Mostly to show themselves high in the society. Such things needs to be avoided. On an emergency for life going for a loan or borrowing have got its value. We need to make perfect calculations and work on it to settle it at the earliest possible. With some people they easily borrow, but to return it back it is very difficult and this used to create problem between the giver and the taker. Always the best choice is to live with what we earn.