<prompt> Human: Here is a calculated excel sheet of ALL of my finances; cash on hand, expenses, what I have to pay for in spring, and the proposed laptop if I get it So I currently have around 3,600 in my bank account, 11,000 in student loans, and have two more semesters to go in college. My laptop is crapping out on me to the point where it takes 20 mins to do even the slightest task on my PC. Im considering buying a new powerhouse laptop. I really need it, being a computer science major. A suitable laptop would run me around 1300 total. If I buy it at best buy, I can get it on the store card with 18 month financing, meaning I dont have to start making payments for 18 months. After 18 months, thats when I start making payments at around 18 APR. But thats a year and a half away. I graduate in Spring semester officially end of April, so about 5 months. Presumably, Ill have a job in 7 months. But heres the tough part. To buy this laptop now, I either have to finance for 18 months, or I have to use some of my 3,600 in my bank account to purchase it... and in doing so, I will be taking away 1300 of my student loan money. So I can either a: stay with my extremely slow laptop and hope it doesnt die in my last semesters, purchase with cash a laptop and hope I have calculated my expenses precisely enough, or put it on my Best Buy card for 18 month financing and possibly make payments at 18 APR. I do NOT have any credit card debt, and have never made any payments on any credit card however, so I know how to manage it.Thoughts?  <response>: You can buy a nice i5 laptop with a GTX 1050 in it for 699 or so on sale. Heck it was 649 yesterday at bestbuy. Try rhardwareswap and rbuildapcsales 