Re: It's time.
I always liked the way that big guitars looked.
I'm a huge blink-182 fan. I think it got me started on Fenders with humbuckers. Later on the guitar player in that band switched to a gibson es-333. I couldn't understand why until I tried one. I don't use tons of gain, I really don't, my father surprised me with the epiphone version of the blink guitar and I remember I plugged into it and raised the volume way up on my hot rod deluxe and all I got was feed back. I LOVED that.
then I got into Kings of Leon, The Beatles, etc.. lots of people using big guitars to make big cleanish sounds.
I'll be the first one to say that ES-335s are sweet guitars. They've got their own thing going on and if you want one, not much is going to fit the bill.
I almost bought a 335 on credit because I had a great price worked out on one, but had to buy it new and didn't have the cash at the time. I'm personally glad that it didn't end up working out and that I just waited until I had the money in full. But that's just me.
Instead of wondering if buying a guitar on credit is per se a good idea or not (even if you do have loan money left over, it is still a loan), I think the thing you have to ask yourself is, "Is it worth paying $2,050 for a guitar worth $1,500 so that I can have it
right now?" because that is how it will shake down. At 6.5% (that's about what US undergrad loans are at, I believe) and 10 years to pay off your student loans, you're going to end up paying about $2,050 for a $1,500 guitar when all is said and done, assuming you don't pay off your student loans early.
Is it a good idea? Is it a bad idea? That's up to you. Assuming an interest rate of 6.5%, adding $1,500 to your loans will won't even increase your monthly loan payment $18/month. But, it will add about $550 in interest over the course of ten years. Keep in mind that this is a simplified way to look at things, making some assumptions, but I think it illustrates my point.