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Originally Posted by Red
Agamemnon, it looks like you've already made up your mind. Leave it at that.
I read your original post and came to a conclusion that you are someone who has a hard time managing your personal finances to some extent (old beat up car, run down condo, NO CASH to fix either).
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I've been in school for the past 5 years, just started working a year ago. I think I'm doing very well considering I've been in the workforce for 15 months.
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Most people that have issues saving money ( which requires them to be disciplined ) don't fare well in investing which requires nerves of steel and very strong discipline.
In the end, tt's your money. I just gave you a perspective from someone a little more old school. Someone who remembers when people were debt free and happy. I guess that way of thinking has no place in today's life. If you don't have $100.000 debt you're not a patriot 
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Well... your 'school' had no information, just some random opinion with no facts, math, or accouting. Still doesn't, even though you've been asked to provide details. Of course I've 'made up mind', you've presented no tangible alternatives. If you think debt = always bad, then you're not really qualified to give financial advice (not that I am).