I don't think it's a good idea. I think what you should do is start working with a career counselor about getting a job straight out of college. Have you met anyone who plays for cruise ships? It's not a bad way to get professional music experience, not to mention meet all kinds of people who could end up in all kinds of places that might be helpful to you at a later date.
I do have a job lined up. I currently work at an electronic repair shop and the manager has said that if I were to move back to KC or Portland (I don't belong in the suburbs of Chicago so one of those will happen in the next year or two) he would open up a location for me to manage. Through this an ownership position could open thus decreasing the time I'd pay back my debt. I have a few friends who just got back from being on a cruise. I haven't spoken with them about it but I imagine they had a good time. It's definitely something to look into. edit: The business I work at is very prosperous as it already has about 50 locations.