Brad, good question, I know this would be hard, but in my opinion, if you can make this work, you will be that farther ahead. 1. Agree with Dvd, get your credit established, youll need it down the road for future morgage etc. 2. Dont get a loan for the boat, if you cant pay for it now with cash wait till you get it. Save a little each week on top of your truck payment if you can. Once the truck is payed off, take that addtional money each month and save for a boat. Next spring / summer youll have some cash to lay down and much happier about it. The cosigner will also be happy and your credit score will go up because of your completed loan. Just an opinion.