<prompt> Human: EDIT: Since this seems to be coming up a lot in the comments, I would like to clarify that I took my MSF course 6 months ago and already own all the safety gear, which I have been using while riding my dads 550. I am now looking for getting a bike of my own. Having already ridden a medium-sized bike, I want to downgrade to a 250cc, and see myself keeping it for many years.Im a 19 year old college student, and Ive decided I really want a motorcycle a Honda CBR250R, if anyone is wondering.I currently have around 850 in my checking account, two credit cards with 750 and 1200 limits neither with outstanding balances, I treat them like debit cards, and a Roth IRA with 2000 in it.My income situation is very interesting, but it will possibly bar me from getting a good loan. Im a Resident Assistant, so I have almost no expenses as food and housing are taken care of, but I also have almost no income 102 monthly stipend. I work as a stagehand sporadically throughout the year, which provides very large lumps of cash, albeit unpredictably.My plight: I would really like to procure this motorcycle within the next few months, but I most certainly will not have the 4100 cash to pay for it outright. My income is sporadic, but if I could get approved for a loan, I know I would make the payments.My questions:1 How much would the total cost of my bike be, with title and insurance etc I live in Texas?2 What kind of loan should I look for? Should I try to finance through the dealer, my bank, or a credit union?3 Given my financial situation, how much money should I save up before I take the plunge?Thanks in advance, and my apologies for the wall of text!  <response>: Save up 100 of cost, budget at least 700 for a good full face helmet and leather gear.Also, dont buy a brand new bike for your first. Its expensive, insurance will cost more, and itll break your heart when you inevitably wreck it. If youre into sportbikes, you can get a really nice pre-2008 Ninja 250 for about 2k, especially if you buy after riding season ends.Do keep in mind that as a 19 year old student, a sportbike, even a 250, will cost you quite a bit in insurance. A Nighthawk or Rebel will be significantly cheaper to insure. It may not be the bike you want right now, but your first bike also isnt your last.rmotorcycles can advise as well. 