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Travelling alone to Europe

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Hi,

I'm planning on taking a trip to Europe from Argentina for my 21st birthday. I have travelled alone beofre but only to places near my country and for short periods of time. I would like to spend 17-22 days there and visit England, Scotland, France, Italy, Germany, Switzerland and Greece, and if possible, also Belgium, Netherlands and Czech Republic. I'm a bit scared of going alone so I was thinking of a tour.. Contiki tours ( http://www.contiki.com/destinations/europe/tours ) seemed a great idea but I have read some disappointing reviews on here. Do you have any recommendation for me? I need a place where I don't have to pay the full price of the trip right away since my credit card limit isn't enough and there's no way my bank is going to increase my line of credit that much. For example this Contiki page has something called 'Contiki easy pay' which is a program that lets you spread your payments over time and that's exactly what I need.. Does someone know if other companies have something similar?

Thanks in advance!

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