1)charging it - you can pay off the installments 
or lumpsum when you GET a job. If you are 
knowingly to go into debt over a cel (I wouldn't 
advise it though), hopefully you are responsible 
with your finances to pay off the debt asap. 2)
Forget other collectors, they aren't here to help 
you purchase a cel, if they want it bad enough 
they'll buy it first! Remember if you snooze you 
will lose in cel collecting. This obsession is 
positively NOT for the faint of heart or meager 
in financial resources. 3)If you are in college, 
try selling your eggs if you are a woman or sperm 
if you are a guy. If you don't have moral issues 
with either then, try it. You might not qualify 
due to age, biological history or whatnot, but 
its worth a try in any event. 4)Take on some odd 
tempjobs, legal positions pay well especially if 
you have a paralegal certificate. Also legal word 
processors are paid decent enough that after two 
paychecks you should be able to afford that cel 
too. In any event, there are alternatives, but 
the key is, if that cel is a dream cel, bite the 
bullet and charge it. If you lose it, it'll be 
mainly due to your own lack of initiation. 5)
Lastly, don't ask a dealer to set up a lay away 
plan, you aren't buying an engagement ring, a 
car, a 40" plasma tv, or anything remotely 
expensive enough to warrant it. Look at it from 
their perspective, considering that you might not 
have ever purhased anything from them (i.e. in 
their opinion you are a newbe - possibly 
irresponsible), and how you cannot pay in a 
lumpsum. If you aren't able to pay there are 
bound to be others who will and who can. But then 
again, these are all just my opinions only. Good 
luck.