Is taking out a FAFSA subsidized loan truly that bad?

Hello! I’m a transfer student and I’ve been saving up by going to community college and trying not to get into student housing when I transfer, but I realize it might not be enough with my pell grant and the money I currently have.

I’ve considered taking out a FAFSA subsidized loan to help me with that, but I’m having trouble on deciding if it’s truly a good idea. I heard student loans in general are super super bad, and I’m still trying to figure out “adulting.” What are y’all’s opinions?