I am currently thinking about joining the DVC. My husband doesn't think it's worth the money. I do! since 1998 I have spent about 18,000 in trips to DW. Plus in august my youngest will be three and then we will be a family of six. Short of booking two rooms or cabins a suite would be our only option and I know that will be expensive. What do you think? I'm also interested in the financing end as this is the way I would have to go. Is there certain criteria? How much do I need down? What kind of interest rates? I'm planning a trip to Hilton Head the end of August and I guess I will make my decision then. Sorry this is so long, but before I sit down with a sales rep I want to go in well informed!!