it's been interesting reading this thread. we had a family dog when i was growing up, but it was not until i was finished with college and living somewhere stable with a stable job that i took the plunge to get a dog of my own. i missed having a dog while in school, but i am extremely glad that i was not tied down by one (not having anything to do with my social life btw- i really had no social life. there's no way i could have put the focus on my studies that i needed to if i had to work in order to provide for a dog, and there's no way i would have had enough hours in a day to do school, work, and dog, especially not well). i am glad that i worked to put myself in the right position to get a dog before i went and got one.
i have a very good friend who raised seeing eye pups when we were younger. she had them and her sister had them, and on paper, they were each of the girls' responsibility. they were to train them, feed them, exercise them, socialize them, etc. when my friend decided to get a dog she thought it would be just like it was when she was a kid.
boy was she in for a very brutal awakening. having a dog on your own, without your parents to fall back on (and this doesn't have anything to do with money- expenses were covered by the seeing eye puppy club) is much much different. the responsibility is all yours, every hour of every day. if you need somebody to fall back on, you have to make arrangements for that. she found it extremely overwhelming at first, and it took quite awhile for her to adjust.