add on someone else's wishes. Personally, I'd pay for it up front. Most likely by doing some extra work to earn more. I'd not be beholden to a bank for a couple of month's travel. Also borrowing means it sill ends up costing you more. I suppose we're supposed to offer opinion based on this limited information so... you've managed to get the age of 49 without even accumulating enough money to fund a 2 month trip away. You either have a very poorly paid job, have very little money or ongoing debts (due to bad luck or poor lifestyle choices) or a are just generally feckless with money. I would seriously ask yourself whether you have the wherewithal to pay the debt back upon your return which, given that you need the loan in the first place, must be in some doubt? No - go for it. Do some temping - tuition, housekeeping/ waitering jobs/ post office temping/ anything to save up or borrow/ accept money from friends. the worst that could happen is that you could have a bad debt but when home, could claim normal state benefits & open another bank account. 2 months doing something different is nothing compared with some people who just spend their life travelling & being in debt because they can't settle down in one country or face adult responsibility. "Why let petty morality stand in the way of a good holiday. Our MPs showed us the way...they all got away with