Iceman1976, you already owe 25k (I assume some of this is student debt?) on an income of 17k - and you want to borrow up to 16k more!? Jeez, you already have debts twice the size of mine and I'm on over 4 times your salary - and I worry! And your rent would get you a good sized mortgage.
If by borrowing you are helping to increase your potential wages in the future, you can consider it as an investment and therefore justifiable, as long as the repayments are affordable on what you can expect to earn in the near future. Saddling yourselves with unnecessary debt for things which will earn you nothing - like a too-expensive, image-enhancing car instead of a 500-quid banger - will just detract from your ability to finance your future, and must be regarded as pretty dumb.
Scroggs