There is no practice more dangerous than that of borrowing money; for when money can be had in this way, repayment is seldom thought of in time, the interest becomes a loss, exertions to raise it by dent of industry cease, it comes easy and is spent freely, and many things (are) indulged in that would never be thought of if (they were) to be purchased by the sweat of the brow.
George WashingtonTo point out the importance of circumspection in your conduct, it may be proper to observe that a good moral character is the first essential in a man, and that the habits contracted at your age are generally indelible, and your conduct here may stamp your character through life. It is therefore highly important that you should endeavor not only to be learned but virtuous.
George Washington