Apply for a card at a place like circuit city, wait for some sort of sale to happen involving no interest for x amount of time, then pay it off it chunks. The PS3 + 40 inch samsung LCD I got ended up to be $75 bucks a month.
You might want to make sure you are using a credit card and not a debit card. My faithful debit card wouldn't work for the life of me, but my credit card from the same bank worked fine.
GOTY for me, there is plenty of stuff to go back and do and see things you missed. I played it almost every night during my christmas vacation. Most of all, its fun as hell ain't it?
ps. I still have no friggin clue how insomniac shoved all those polygons in the backgrounds of the levels.
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