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I'm 19 and just bought an FR-S. I absolutely love the thing. I will admit, I'm a bit nervous, locking in a payment for 5 years while I'm in school, though. My dad has agreed to help me if times get too tough to juggle a job and school (software engineering major). Just keep that in mind, that you will need to juggle school and a job, and there is really no way out other than selling the car.
The insurance, really isn't that bad, about $800 every 6 months, but I am also an A only student, and a full-time one at that, with 0 tickets on my record (let's see if the FR-S changes that. =P).
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