Before you commit to a long term series of payments, or entangle yourself in an expensive lifelong annuity plan, it's a good idea to make sure that you have a good understanding of debt and how to avoid it.
In this post-crash era, you shouldn't find it difficult to learn about intelligent payment plans. To begin with, you should browse the web for reliable sources and take full advantage of online banking material which explains the dangers and risks attached to taking out a loan.
You might also book an appointment at the local branch of your bank and discuss these matters with a financial advisor. Be careful not get caught up in a sales pitch, however; remember that, to a certain extent, it is your bank's business to sell you their financial products.
You should also find a good deal of information available in book form. Nip down to your local library or peruse the financial section of your bookshop. Keep your eyes open for Beginner's Guides to banking and publications dedicated to the simplification of complex finance.
In short, there are numerous strategies by means of which you might learn more about debt and its dangers. Be sure to educate yourself thoroughly before taking on a new, potentially difficult financial commitment – you don't want to end up in trouble that could have been easily avoided with a little research.