You need a headset that actually drowns out the background noise so you can focus. Buy a quality pair once rather than a cheap one that dies in six months.
Tech brands usually launch new gear in the fall. Wait until late November to grab last year’s model, which performs just as well for a fraction of the cost.
The 18-month window is a deadline, not free money. If you have a balance left when that time is up, the lender will start charging interest on what you still owe.