ORIGINAL: elmer

You're young. money management is critical. I'm 21, so I can relate on a number of levels. I have a 94 F2 and am completely happy with it. Do I get tempted to buy a new bike every time I'm walking back to the parts counter? Absolutely. But right now, carrying that kind of debt I personally feel is completely inappropriate given my station in life.
I own my bike free and clear, and I'm in my last semester of college with zero debt. I will confess however my parents have almost exclusively funded the vehicle I drive. But the point is, it can be done. Just work hard. Live within your means.
That being said, I'm applying for jobs that have a starting wage of $40,000. The FIRST thing I am going to do is get a spankin new bike. But I also have every intention of paying it off within 6 months. I think it can be done. THAT will be the most rewarding part of being financially responsible.
I encourage you to avoid adding debt as much as possible.