<font color=red>The Audacity of Charles wrote:
Second, check into "rent to own" programmes. I did this and my brother did this - for trombone and clarinet, respectively. This is where you pay a monthly bill of something like $35 (I think there's a down-payment, not too sure) and you get to keep paying until you either stop - no strings attached - or you pay enough that you get to keep the instrument.
Some rent-to-own are used instruments, as well. I think my trombone was used, and I never had a problem with it.
I would really check out low-cost solutions and "rent-to-own" programmes - so that you don't have to come up with all the money right now.
That sounds like a lease. As always, you should probably calculate the net advantage to leasing (NAL) before you choose to lease. Many financing options can make it seem like you're saving money when in reality you are losing it.
Never forget that if you buy something, you can always sell it. If you buy something used, you can usually sell it for about as much money as you bought it for.
Creativity can always cover for a lack of knowledge.