Answer: -Most of my friends just took out extra loans and purchased the laptop with their refund money. that way they have time to pay it back and it still is technically going towards your education.you could also get a grant for school supplies. some schools offer grants that go for laptops specifically.Otherwise i would try getting a store card if you could apply and pass and use the credit to buy it so all you have to do is pay the min. balance every month. -Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved onarrange loans or other finance, and usually means you will pay more interest on any loan you take out.