I'm sorry, I'm about to be that annoying little raincloud everybody hates.
I'm a student at one of the more prestigious (read: expensive) universities in the U.S., here only by the grace of scholarships and by taking student loans like they're water and I've been wandering the desert for 40 years. It's certainly not easy being a student audiophile. For me and, I suspect, many of you, money's always tight, even for the basic necessities like food and housing and clothing, and little is ever left for other things.
I know it seems like a get-out-of-jail-free card, taking student loans, but it's not worthwhile to take them to spend on things you don't absolutely need. It's not money they just give out, it's money you have to pay back, and with interest.
In economics, my field of study, there's something known as the rule of 70. If you have a loan with an interest rate, divide 70 by that number, and it'll give you the rough number of years it'll take for that loan to double in cost. If you have a federal loan, which, unsubsidized, has a 6.8% interest rate, it means that by the time you're done paying that loan back, given that you take the ten years they give you to repay it, you'll almost have doubled your initial costs (70/6.8 = 10.29). So, are those headphones you're buying worth twice what you're paying for them?
I'm there myself, and I feel your pain, but it doesn't usually make sense to borrow to feed your hobbies. If I'm being honest, I've done it. I used some of my student loan money to buy a fancy road bike about year ago. It wasn't a wise move, a cheaper one would've sufficed, and I regret doing it. Now, I do my best to set aside $20 a week to buy the things I want. Sometimes more, if I want something enough that It's worth not going out for a while or eating cheaper food. It's a huge pain in the butt, and gratification is never instant, but it's let me buy some great stuff without sinking myself even further into debt. I started with some Shure SE-115's, which aren't brilliant, but they were enough to tide me over until I could buy something on the level I wanted. I currently listen through some fantastic 600-ohm Beyer DT-880's I got from Amazon and and a really nice iBasso PB-1 and DB-1 combo I got through the Head-Fi classifieds. Worth every penny I paid.
But they wouldn't have been at twice the price.