<prompt> Human: So Im going to be purchasing a MacBook Pro very soon, and was going to take advantage of their payment plan option. However, I wanted to get an idea if borrowing from their suggested company is a good idea or just going with someone else would be better, as Im slightly confused by all the options I have. Id be borrowing roughly 2100. Yes, I know there are other cheaper laptop options, but Im not interested in them. Apple offers two options: one from Barclay which is the option you automatically get. The other option is if I were to use Apples Educational Store which gives an automatic 200 discount off the MacBook Pro, but going this route they instead offer RBS Citizens Payment Plan Im not sure if there is some kind of benefit to this special education payment plan or what. The last option would be to open a card with someone completely different. I currently bank with Chase, so I could get something like the Amazon card from them, but it doesnt have to be that or anything from Chase. I am a student but I have a solid office job that pays well. I dont really plan on using whatever card I go with again outside of this particular purchase, and have no other debt outside of regular bills.  <response>: Convince me why you need this. WorkSchool etcIm asking because if you need a payment option on this one-shot item, it makes me wonder how you are paying for other things like housingfoodtransportation. You say you have no other debt, so you should be able to be saving some amount month to month. If you are saving money, and have already saved up for emergencies expenses, I dont believe it should take more than a few months to rack up 2100. 