Thanks for your feedback. From being rejected as a single founder, I decided instead it would be better to get some work experience in order to save money while continuing my college education in order to meet cofounders at work or school for another idea that wouldn't compete against eBay, and apply to YCombinator with a new idea, as stated (and with multiple founders). I think that is an excellent plan, and far more realistic than putting myself $20,000 into debt at credit card interest levels. I would highly advise others against doing what you describe.