Your gonna drop it no matter what you think.. Just read the other posts..
Do you actually think you are gonna be riding it in 5 yrs or whatever amount of time it takes to pay it off..
Why not get something to LEARN on, that you can beat up a little and not watch ur wallet go out the window..
Good luck and do some research.. You will find the right used bike.. I have never bought a new bike.. I just found a 03 600rr at a local dealer with 300 miles on it for 6200 otd... Take ur time the right prices and bike will come..
I still think you should go for the sv650 if u are taking a loan out.. I would suggest buying a couple year old one of those.. They will have more than enough for the next couple of yrs..
Ive got one chick that rides a 01 zx6r and another with an f4i.. they learned on these bikes.. if you got the patience it will come to ya.. depends on if ur lookin for show or go..