I only do it because I don't really drink any more because I messed myself up through drinking too much at uni, and so the money that save from not drinking I can afford to put towards something to make the term a little brighter.
I'm thinking the PS3 game because it gives me something to do when I'm not working my balls off. Unlike most students it seems mechanical engineering undergraduates actually have to work and so it would give me something to do after a long day, other than a girl
I don't really see it as I have to pay it back or whatever because its like 1% a year once I'm earning over a certain amount which is pretty much nothing when you think about it + i do get free money known as a maintenance grant for families that earn below a certain threshold, ie me.