My thoughts are that you should pinch your pennies and buy a cheap used bike on craigslist. How new are you to cycling? And then training and racing? I'll bet you have a ways to go by just training and riding consistently for a few years.
I started racing in college at ~19 in 2008 on a steel bike with downtube shifters. Surf craigslist and save your money!
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"Your beauty is an aeroplane;
so high, my heart cannot bear the strain." -A.C. Jobim, Triste