Why take loan to start up a home or to get clothes? Isn't that crazy? Whenever I see people taking loans to marry it amazes me. You want to start up a family on debt? There's no guarantee anywhere that your reception will fetch you money and if it's your jobs you are depending on, don't underestimate the power of unforeseen circumstances. Somethings are not worth taking loans for.

For business yeah, atleast you know that if luck shines on you, you would definitely refund. In fact even if it's business and you don't have other options to refund, don't take the risk. Loans are dangerous, it can make one a slave and shut down one's financial progress.

For your situation, it's very understandable. If I were in your shoes and I had that option, I wouldn't hesitate to take it. Good news is you paid back.