The more information you have, the better to make an informed choice. There are options. I do not have to stay in this house. there is rent-to-own, there is moving in with someone else closer to school, there is making rent payments by credit card so I can establish credit. There is a full time job for me. 2 years. I can give it two years, get a job, establish credit, buy the harp. speaking of harp, the 3rd octave B was frayed and it took me half an hour to change the string. Are you sure you want the responsibility of your own harp? Am I a responsible person? get car tuned up speaking of maintaining possessions.