@Ivan Loza - great post, this is the exact question I have been contemplating as well.

Years of experience have shown us all certain things.There is also a feeling that someone can ask a question, you may spend 15 minutes of your day contemplating and writing an answer, and nothing.

Every person in the Northeast has contemplated the title of this post in the last month, I guarantee it.

After much contemplation I came to the conclusion that I preferred access to my own money and the ability to invest as I see fit.

You'd better have reserves/emergency fund/etc. set aside before contemplating locking up $2K for $13 per month.   

. | lol that is hilarious, I'm sitting here actually contemplating that now!

I believe the "look back" period is 6 months in disposing of assets, however, disposing of assets in contemplation of taking bankruptcy is a different matter.

He walked around the model for about 20 minutes - he's a very quiet guy, very contemplative (very much unlike me!)

Prices will drop about the time you graduate and you will spend 1/2 of what you are contemplating now.

I've been getting lots of conflicting information on this topic....I guess I'll just start inputting my info into websites offering coverage and deal with the blowback of a sales assault. ;)  Gotta start someplace.