If the school year has snuck up on you-again-and you are in dire need of a new computer, I found that there are sites that offer online computer layaway. Now you may not get it until it is paid for , but you don’t need a credit card to get one. Plus it will be paid for when you get it. That’s a great deal. I did a lot of research on the internet and found great information on layaway. A lot of places also offer free shipping.