Make sure you can pay for your loans first.
If you opt to pay more on your loan make sure you let them know it is on the principle of the loan. I have never taken out a personal loan, but know a friend who takes one out for almost everything - car, paying off debt, vacation, home improvements. I only think a loan is good for something that is an asset - like home improvements or a car. Taking out a loan for a vacation is crazy to me.