With virtually zero expenses, why would you take out any loan? At 5 years, a $25K loan is roughly $500/mo. payment. That’s huge. You may want to get an apartment one day in the next 5 years.

And look at it this way: why would some company give you a loan without any indication of how you will pay it back, since you currently don’t have an income. Crossing their fingers that you’ll have a job? And a $25K loan over 5 years

I have a student loan with a lower percentage than that 2.4%, I think) but have been paying off that $25K for 15+ years. And there will certainly be some charges for deferring it 6 months. Either higher interest or huge fees added to the principal.

My advice: unless you ABSOLUTELY need the money, run. Run far and fast.