I have been checking out the "HQ Sweet Sixteen" quilting machine with table. I just want this so badly and they have a payment plan, does anyone have one, if so do you think it is worth the money and is it easy to learn how to use it? This one place I found http://www.sewingmachineplus.com/handiquilter has it for $5,195.00 and payments are $108.23 per month, which would take me about 3 yrs. to pay off. Just wondering if it is worth all these yrs.to pay off, and I don't have that kind of cash, so it would have to be a payment plan unless I hit the lottery here in N.C., which I don't see happening anytime soon. Any advice is welcome. Tk. U. Hope the website URL works.