Thanks for the reply. I will certainly address trying to come up with some extra $$$, but only time will tell.
The Kel-Tec is a bit higher priced over the Hi-Points, but only a little. The PF-9 that they have in stock is marked down which makes it fall into the high end of my current budget. I am a believer that one gets what they pay for and I "feel" the Kel-Tec would be a better gun. The only drawback that the Kel-Tec has is that there is no safety. I don't know what the majority feel is about having a safety or not, but in my beginning days of firearms it is an important factor to consider for me.