there're some days even my used lacy undies won't help

To live your dream means heaven! But, what happens if your dream costs you 42.000 USD?

As I grew up, I realized that a dream is a dream but sadly my family name has no Hilton on it. So, there's only two things to keep my dream alive: 1. keep on dreaming and 2. work my ass off.

My question is how can I get 42.000 USD? Without selling my soul to a bank loan or selling my used undies to Japan (which most probably will get me deported from Japan rather than get me the money.)
So, in between these two hard choices, getting a bank loan seems more feasible. But, it means, I will owe the bank for 20-30 years? WHA...A...A...AT?

What if I died on the 3rd year? Ugh, if only I could play dead! Or…what if I was badly injured, paralyzed and couldn’t pay my loan? Of course there will be articles about this, but why would I think about something bad happens to me? I think subconsciously, a bank loan means suicidal for me. I just don't like the idea of a life time being in debt. I like saving money, but paying debt is a different story. 

What's the difference? 
Saving means commitment, it's pleaded by heart and bind by morality. 
Paying debt means obligation, it's written on paper, contracts and bind by law.
Both means responsibility but of course, I like the idea of freedom better.

So, back to square one, now anyone has a better way? Comment here please, I’d love to hear!

pic borrowed from craig wards