I will be studying abroad in Japan starting this September and I really can't bring myself to go there without a good camera. I do have a P&S that I got for free from my uncle (HP Photosmart R817 with 5.1MP) which I don't think is going to cut it. I've only gotten into photography only recently and I can't say I know much about it though I have gotten several chances to use a dSLR. Either way, I'm looking for something entry to mid level since I'm just starting out. But here's the thing: I can't spend too much money on this (frugality is important when you'll be living in Tokyo for 6 months) so I'm thinking of the 12-month financing that Amazon has for either Nikon D60 + 1 kit lens (VR) or Nikon D40 + 2 kit lenses (non-VR). They cost about the same at ~$640. I know I will be buying the 50mmf/1.8D, but I really can't decide between these two choices. I like having the extra lens, but is D40 too outdated? And lastly, is financing a bad idea? Is it better for me to take out a student loan to pay for this purchase? Thank you in advance.