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https://money.stackexchange.com/posts/112048/revisions

OP asked for opinions on getting a personal loan at age 19 without actually having a job, and I gave them. I no way shape or form did I abuse or be rude to OP.

Or is the real solution to close the question as POB?

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I deleted it because the question is about is it possible, not should he/she do it.

Additionally, IMO the references to "whiny, inconvenienced snowflakes" are still rude/unfriendly even though you don't directly accuse the OP of that. You're certainly suggesting it as a serious possibility.

Here's a copy of the answer, for those who can't see it directly:

Let's say you do get the loan before you have the job and are settled it. AKA, you counted your chickens before they hatched.

Imagine these scenarios:

  1. You don't get the job.
  2. Your take-home pay is a lot less than you thought it would be.
  3. The company downsizes a month later.
  4. You really hate the job (as opposed to being a whiny, inconvenienced snowflake who can't hack a little so-called "oppression" by The Man).
  5. You actually are a whiny, inconvenienced snowflake who can't hack a little so-called "oppression" by The Man, and ghost the job.

Then... you have no income and are left with a loan payment.

The bottom line is that debt is risk, and a 19 year old shouldn't put him or herself at risk without a job firmly in place.

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