I like collegiate saddles, they are a good saddle for the price. You could also look at older stubbens and crosbys, usually you can find a really good deal on one of those.
However, I would wait until you have a horse as all horses are made differently, and you may be safer looking at a used tack store for saddles. I learned the hard way that it is much easier to spend the extra money at a tack store and be able to trial and actually see the saddle before you buy.
RH Queen O Anywhere "Sydney"
2009 Sugarbush draft