Hello everyone. Ive been reading this forum for a while and decided its time to say hi. Hopefully ill be taking my MSF next month (Im a second alternate) if not ill have to wait til JUNE! for a guaranteed spot. Anyway have any of you got into the class as a second alternate? Continuing on... I am hellbent on getting a 500r as my first bike since all you fine people so highly recommend it, only problem is that i will have to take a loan out (another one) as i also have a car and i do not have roughly 3k to spend out of pocket. Is it possible to attach that onto my car loan? Also...With a loan does the insurance increase very much? Anyone my age in this situation? Oh BTW i am a 24 male, good diving record. Pennsylvania. As far as gear goes, i've been looking into the icon stuff. Anyone have experience with their gear? Ok enough questions, I appologize Thanks Guys n Girls!