My suggestion is, if you feel good about paying that loan off fast go for it. If you don't then just save the money up this year and go next year.
Like some people have said, it is going to be worth it if you go now with your loan you will take out, or no loan. Your trip is going to be memorable either way. But it is better when you don't have to pay it for the next 2 to 3 years.
and if you do get a loan, i believe you mention wellsfargo, get a student loan that way you dont need to pay any interest untils 6 months after you graduate. And the best part of the loan is that you can pay it off a little by little while your still in school and you could pay it off before you graduate and you never payed interest.
Let us know what you ended up doing.