It sounds like you got some pretty good advice.

I kind of agree with my grandparent's principle about loaning money. They don't believe in it because it can cause problems. The way they looked at it is if they can't afford to pay my loan (if I default) then they shouldn't be giving me money in the first place. It's not worth the risk of losing a family member and/or being in debt.

For instance, I needed money for my first car, so I asked for a loan. They told no, that they don't loan money out. But if I agree in writing to get a job and go to college, they'll give the money to me as a gift.

Hopefully I made sense...I still have this dang migrane, can't think!

*edit* I'm sorry! I read your last post after I replied. I think that you made a good decision!