If you're going to go into "debt", vacation debt is the right kind. It doesn't accrue interest, it doesn't impact your credit rating, and they can't subtract it

If you're going to go into "debt", vacation debt is the right kind. It doesn't accrue interest, it doesn't impact your credit rating, and they can't subtract it from your paycheck in most states (like CA) if you leave the job - they have to chase you to pay it back, and many companies don't bother.