As some college students will do, she ran up some credit card debt with frivolous purchases. (debt.org)
Generally, it's best to avoid personal loans if you plan to use the money for frivolous purchases, because the interest charges can add significantly to overall cost. (thecollegeinvestor.com)
If you spend the money on frivolous purchases, you will panic when you need the money at a later date. (keepcalmandinvest.com)