I'd go Canon too, between those choices.
But since finances are an issue, I think you should consider factory refurbished. They DO have warranties, but maybe just not full term.
When I sold cameras for a living (film days) my elder coworker used to say that the advantage of a Nikon camera body is that they accept Nikon glass. But if this lesser Nikon can only take a less limited range of Nikon glass, I'd take a pass. That was a bad decision on Nikon's part to hamstring their base camera like that. Up to a certain point not too long ago, ANY Nikon SLR camera could take ANY Nikon SLR lens. Canon had gone to their then new EOS lensmount bodies, which was totally incompatible with their older FD lenses, and the Nikon people were very smug about it. Now it seems they have jumped on the bandwagon.
I think you should also consider Pentax, yes, even used.
I guess I should realize that since you're relatively new to this, you won't necessarily feel comfortable buying used for a while. When I bought my first SLR, I passed up some nice used cameras in favor of a new Pentax K1000, which was less full featured. It wasn't a BAD decision, but it could have saved me that first upgrade.
At any rate, you have a while to mull it over, I guess. Unless.... If it is a tax refund, and you know you're getting it and how much, why not just charge the purchase, and pay the bill with the refund?

You'd still have the chance to pay it off before any interest accrues.