Consoles are great, especially for TES games. I have gotten more pleasure from playing the console over PC because you actually play the game instead of a bunch of crappy MODs that you feel you have to load to make the game better. Some will make the game better but most will not. You will find yourself playing Skyrim and thinking of what mods can make the game better but in the long run you are better off enjoying the game on the console IMO. :brokencomputer:
Oh boy...
And people say mods are the biggest reason to get it for PC. I guess I was wrong /sarcasm
Anyways, don't fool around with your credit. It can only come back to bite you in the end when you want to buy a car or house or get a loan for anything. A $700 computer pre-built might not be able to play skyrim as well as a computer you build yourself. There are barebone computers on many websites where you just add an OS and a video card and you are pretty much set, all for 5-600 dollars.
But if you don't have the money, racking up more debt is a foolish thing to do. If you must buy the game get it for whatever system you already have.