usually whenever you buy a pc with the OS already loaded, they give you some set of cd's called recovery discs or something stupid like that. The reason they suck is because they are usually customized with the OEM name branded on everything, IE is modified the same way, and they can include more crap that you don't wantt. but the point is, its a copy of windows, give or take.
btw: if you're a student or teacher, winxp pro is only $50.
and, as a third option, you must surely know someone that can find you or has a cracked version of xp that they can copy for you. thats up to you.
Until you can secure a working copy, don't do anything, because you'll be screwed.
Also make sure you install SP1 after your reformat.
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