If you are using your mac for school, and will be using it for a long time (not upgrading when each new model comes out) then I can see financing it. Its an essential tool for college. I always recommend against the cheap route for computers unless you are doing something basic like word processing.
That being said do not make it a habit. I remember in my teens I said I'd never be one of those people that dig themselves into debt, and just like almost everyone else who says that, college dug me in to debt. Although I made all my payments on time I was in over my head and could only make minimum payments on things. Luckily I was blessed to land a job working overseas (in a war zone for three years) and was able to dig my way out quickly, and finish school.
You don't want to have to do that. Finance only what you absolutely need for school, put the refunds back in the bank and use them to pay off the debt you will come out of school with.
That being said do not make it a habit. I remember in my teens I said I'd never be one of those people that dig themselves into debt, and just like almost everyone else who says that, college dug me in to debt. Although I made all my payments on time I was in over my head and could only make minimum payments on things. Luckily I was blessed to land a job working overseas (in a war zone for three years) and was able to dig my way out quickly, and finish school.
You don't want to have to do that. Finance only what you absolutely need for school, put the refunds back in the bank and use them to pay off the debt you will come out of school with.