Zeb,
If finances are tight and you want an easy way to get a DSLR, most high street retailers offer interest free credit for 12 months (and usually if you pay it off within that period no fees or interest is applied...however typically a massive 25% + is applied otherwise)...also many offer extended accident and repair cover to take cover up above and beyond the limited 12 month manufacturers warranties....
So basically you can buy a camera and know they'll be no tears if the worst happens or it develops a fault within the first few years (which it otherwise might do if you bought secondhand)
However, if you feel brave and want to take the dip secondhand, hunt around, then do some more hunting.....there's some REAL bargains at the mo (which aren't nccessarily on the ebay!)
Above all...golden rule as a high street consumer...always ask if a 'deal' can be done (even when buying s/h).
Contrary to popular belief, some shop staff enjoy the banter!
good luck, and happy hunting