mister_parton:
well i want to be an instructor/dive shop. its not all about the money to us. we could live in a houseboat and be perfectly okay with it. money is not the issue. neither of us have experience so we need "ground-up" training
I suspected as much.

Take Don's advice. Start out with a discover scuba session. If you like that, then put up the money for the open water course, but don't borrow it. When you add it all up - courses, diving, gear - It will run you between $5,000-10,000 to go from no experience to instructor...times 2. (and the $5,000 route won't make you a very good instructor) That's a lot of money to invest without ever having been in the water on scuba. It's good that it's not about the money, but it can be hard just making ends meet as a dive instructor, never mind having to pay back a loan! A houseboat will also cost quite a bit, and the maintenance on it can be quite a bit.
A couple of old sayings:
The best way to make a million dollars as a dive shop owner is to start with two million.
The 2 happiest days in a boat owner's life is the day he buys the boat and the day he sells it.
Get your OW cert. and go diving. If you find you like it, then go from there. Most dive shop owners I know don't dive for fun or even that much. They're too busy working in the store. When they do get to dive, they are teaching, not necessarily diving. I know a few instructors who log about 300 dives a year, but 90% of those dives are in local quarries or lakes. There's nothing wrong with that. But I like diving. Training dives are fun, but I like the non-training dives better. That's why a majority of my dives are non-training. I teach part-time and have another job to support my diving. This allows me to dive more.
Take it slow. I wish I had gotten certified at your age!
