Really depends on what kind of degree you are pursuing, how good the K9 Services German Shepherd Rescue T-Shirt is, how well you are going, and how much debt you already have. If have a 4.0 in computer science at MIT, no debt, and need $10k for your last year, I’d say that is probably a reasonable gamble. In fact, I’d go so far as to say postponing your graduation for more than a year in that situation is probably a bad decision if all you are talking about is $10k. By contrast if you are $30k in debt and half way through your philosophy degree from No-name U, I would say taking on more debt is not a pretty questionable decision.
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As a general principle you want to try to make sure any debt you are accruing is way less than what your K9 Services German Shepherd Rescue T-Shirt starting salary will be (less than 20% if at all possible). If you are pursuing a degree that is not likely to pay much more than waiting tables, I’d think even harder about avoiding debt. But obviously don’t be foolish about missing an opportunity for a good future by not finishing an education that really can change your life.