When I got involved in model airplanes a little over a year ago the Cessna was the plane I wanted. Through research here I found that the best thing to start with was a trainer and to work my way through to the Cessna. Since then I flown a couple of planes and have a couple on the bench in the works. Basically I now have a list of planes that I would like to own in the future, the Cessna of course being towards the top. You do not say if this will be your first plane or not so if you have been flying and have experience then I would say go for it.
As for which model to get, I think the GP ARF would be the best for your situation. It is an .40 size ARF and this will keep your cost and time down.
The Hanger 9 is a beautiful plane and would be the one I would love to have out of the 3 you mention, However the larger size models increase the cost quite a bit. It has been a while since I priced checked the Hanger 9 but it was around $700 to $800 or maybe a little more that last time I looked. With the addition of engine and electronics it becomes a big budget plane.

The Top flite if I remember correctly is a kit, .40 size I think. Even though it is smaller and everything is cheaper, the kit will actually cost you quite a bit more than the ARF. Will cost you not only more money but also a lot of time. Since you are in school you may not have the time to put into a kit right now and it could take you a year or more to complete one. The cost will escalate when you start buying all the tools and supplies that you need in order to build the plane. On a budget that usually means buying things a little at a time. This can take a while.
Yes you could have someone build it for you, but why go through the hassle and the expense, Just grab the GP ARF and I think you will have a great experience.

Keep in mind that there are several very long threads on the cessna here on the forum. Especially the Top FLite.

Good luck

Dbow