The best time to travel for you is the period of your higher education. Do not be surprised by the fact, let us speculate a little.
When you are a student, you are not burdened either with the work or with the family duties. You are living with parents and they are making all your duties for you. That is why you have an opportunity to travel. I doubt that you will have such an opportunity to travel when you already will be working or will be brining up a toddler.
However, the prices for travelling are quite expensive and it is not very simple to the student to afford to cover them. Nevertheless, it is not a problem at all if you are acquainted with the opportunity of the travelling loan taking.
Well, you are right, loan presupposes some amount of overpayment; it depends upon the interest rate of the loan. However, let us look at the situation form the other angle. Are you able to save rather big cash some of money in order to cover travelling without the loan? I guess not. That is why the loan for travelling is the great way out for you in order to see the world.