thank you all... yes im going to look into prosper.com
i don't have the entire amount in full... to be able to pay for it out of pocket.
so i have to finance it. i can afford it but the only thing is... there is some things that showed up on my credit that hurt my score, also... my co-signers. we didnt even know these things were there and have to file police reports. buuuuut.. that means i have to wait longer for this. i really want to get this done this year. i will not give up. thank you all.