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My personal belief is that loans should be taken out if you have the means to pay the amount back in a short time-span. Ideally, someone should save up the amount of money they need and buy it in cash to avoid debt, but if you're gonna get a loan, make sure you can pay the amount back in as few instalments as possible and in the shortest time span possible.
Unless it's from the above of course. At least if a duck takes your money, you know it's going towards bread and not something like cocaine.
PSN: MrMallard19 http://www.gamefaqs.com/boards/1087-ducks-mallards-and-miscellaneous-poultry - MrMallard's duck board, have a chat!