As everyone else has already said, it's not worth going further in debt.
On the other hand, as a game, Nintendogs Cats ought to be fantastic. I was addicted to the original for days on end and the only reason Nintendogs Cats isn't my first 3DS game is because the shop I went to conveniently only had stock of the versions that weren't Golden Retriever and Friends, :O. (And, of course, the fact that Miyamoto betrayed us by getting a cat!)
Oh, and it's not a game specifically aimed at girls, even if you see more females playing it. Of course, I don't see how your manliness is affected by which games you play, either, :P. I mean, would you consider yourself juvenile for playing Mario?
“These are my principles; if you don’t like them, I have others.” – Groucho Marx