I must agree with those who have stated that your best course in life is to settle old debt before venturing forth into new spending. WDW is not a necessity. You and your family's security and well-being are the things that should guide your financial decisions. There are times in life when we must "bite the bullet" in order to get our lives back on the proper course, and settling old debt before incurring new and unnecessary expenses qualifies as being such a time. I believe that it would be an insult, whether stated or not, to your parents if you designated money for a trip to WDW before settling your debt to them first. Life involves priorities, and the honorable management of finances should be high on the list. The issue is not whether or not one will pay back a loan, but rather the effort and resources that are focused on paying back the loan. Never begin new expenses without first settling old obligations. If one is to "live life", then one should consider honorable stewardship as a pleasure in life.
Oh don't get me wrong, my debts with my parents will be paid off before even entertaining the idea of a trip. Everyone especially at my age has debt with the banks and such. It takes years to pay off a house for example so I just want to wait until I can afford it and have my debt under control. Not something I have to worry about once we come back from the trip. The way I look at it, I figure if we can get things under control and I can make a lot of money this summer (which I will) we have until November to go to Disneyland in California. Why I say November is because that seems to be more or less the cut off for decent weather to swim in the ocean. It was beautiful in September last year and it appears an early November trip wouldn't be bad for that either. So there is 6 months to save.
As for WDW there is less of a cut off point for me, but I won't entertain the idea of going in January or December either. I've been many times in March and that is barely warm enough to swim.
Anyway, just a plan in the back of my mind. I love all the helpful tips here. What creative ways to save money.