I'm a total novice on the jeep front. I have a thread running where people are helping me to learn and track down the right jeep to buy.
I'm not new to life decision making, though. My wife and I started with zippo 32 years ago and now we have 3 great kids thru college with no debt, and our last one headed into college soon. The house is paid off -- and at age 54 it's finally time to buy myself this toy and hopefully turn it into a hobby.
I guess my point is that people your age should SAVE YOUR MONEY and AVOID SILLY DEBT whenever possible. If you were my son, i would counsel you to focus on building your educational and financial foundations. I don't know what your personal situation is, but I hope you're not considering taking on college loans while pissing away money on a jeep.
Work, learn and invest now. Play later. ... sez the old guy who still doesn't have a jeep. :-)