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Netwolf, I have to agree with Dujon; very bad idea. Amateur astronomy is a hobby; it should be an enjoyable pastime not a worry over paying back a loan. I have known of one marriage that was destroyed over one person's desire to own "premium equipment" as they felt this was necessary: it isn't.
I don't know what equipment you have in mind but I do know that you can make do with what you have already and get enjoyment out of observing the night sky. I'm 53 years old, have had an interest in astronomy since I was a child and have only recently purchased my first 10" dob. I have used a home-made 8" for many years to great satisfaction. As for so called "premium eyepieces" forget it if you can't afford them, they are mainly just erfles with an inbuilt barlow to give better edge of field charecteristics in my opinion ( I have used naglers as well as so called "crappy plossls" and the difference is marginal if at all on axis).
As I say, i don't know what you're after but in my opinion going in to debt over a hobby is a bad idea. Relax and enjoy the night sky with whatever you have now and save for the equipment you wish for.
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