Megan is known to be loud and a little raspy.
I figured this was a urgent situation and your funds were based on the moment at hand. But, the longer you wait the more you can save. I pay college loans too.....its super low interest and payments are NOT that big. I pay about $125/month. So wait and get the exhaust you want. Its a big part of looks, sound, and performance. Don't go cheap unless you plan on getting rid of the car soon. You'll be happier with a more quality system.