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Go smaller
Go smaller, unless you KNOW it is the boat for you and you KNOW it has good resale value and you KNOW that it will be a useable boat (class exists) where ever you happen to move to after graduating. A laser can be cartopped and is high performance fun.
Amazing how the trailer and rigging of aging 18' sailboat can strain the time and dollar budget. A laser is quick and easy and simple. Find an old beater and go sailing.
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