I agree with the others to get a good solid used machine. That's what I have decided to do in my quest for a new machine! I feel like you can get a lot better quality for your money by going with a used Viking or Bernina (just as examples). I think of it like buying a car... I can't afford a new Toyota but I'd rather have a good used one for $10,000 over something that costs $10,000 new. That being said, I have not owned a Brother from a big-box store but it does seem that people have great luck with those! Perhaps another one might be worth a shot. Good luck and let us know what you decide on!
Just my two cents...
Candace