Need shit, what do?

My laptop just fried and I want to get a desktop. After bills, I only make about $300 a month. This means wait 3 months, get a credit card and use it, or take out a student loan for it.

Any input as to what I should do? I don't *need* it, but it'd save me the time, gas, and trouble of going to the library and doing all of my online homework.

There are local programs to help low income residents purchase old and used computers. If you can afford gas, you can afford a solution.