I'm a lot like you in that I'm really think-ahead-and-of-the-consequences and needing affirmation for my decisions. I'm not a big fan of loans either, but I'm pretty determined to travel a little, and when else am I going to have the opportunity if I end up getting married/having kids. :-P

Good luck with your Kingston app and working things out with your fam. I hope everything works out even better than you plan :)