Using student loan as a financial buffer during graduation, sensible or overthinking it?

Hey, looking for a sanity check on something I've been considering. I'm a student in the Netherlands nearing the end of my studies, currently working part-time and receiving some grants, so I have no existing debt and don't actually need the money right now to get by. I also don't have the option of financial support from family, so whatever buffer I build, I have to build myself. That context is part of why I'm thinking about this. I'm eligible for a government loan through DUO under the SF35 s