Yeah I see what you are saying, but I think I may try the 20", it's claiming to be adjustable for users from 5-6 feet in height. I'm going to wait a few weeks and see what comes up. Link for what looks better but may be another BSO due to my inexperience

No one in my area really bikes so the used market seems to be sub-par (mix of frames without wheels type thing) and of course the college situation complicates things. Can only afford so much due to school you know?