So I'll write most gamers won't be happy on that. It's your entry level gamer so you expect entry level effects. I've seen "crazy?" frame drops on all cards. To combat this you know to drop from say Ultra to Low and enjoy the game.

My son has the GTX 970 and says it's very nice. Benchmarks and reviews seem to agree.

Since you are broke, why do this now? The longer you wait the better it gets.