Blast from the past
My 2c worth. Borrowing money to travel is the same as borrowing money for just about anything else. You should always assume it'll have to be paid back and know exactly how you're going to do it. Never, ever borrow thinking "I'll sort it out later" because it will come back to bite you, with interest.
As such you could certainly argue that borrowing to travel now and paying back over [x] years isn't that different from saving up for [x] years before travelling later.
In my case I'm coming to it late, in my 60s, because I spent years doing the family, career and home thing. On the minus side I have missed a lot of opportunities that will probably never come again, but on the plus side I know I have a home and family to come back to
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