I've bought the last 3 of 5 camera bodies new from Best Buy on their 12 or 18 month no interest plan. You'll want to pay it off within that timeframe other wise you get whacked with built up interest for the entire amount even if you owe a fraction of it. You being a college student this also would be good because you can build up your credit worthiness. Just pay it off in time. Can't help you on the body but I shoot Nikon full frame and crop.