Another vote against the Hi-Point. Have owned one, and shot many. Not worth the trouble. If you must go cheap, get yourself a Bersa .380 or a Charter Arms .38 spl revolver. No, these aren' t the best things on the market, but they don' t cost a lot more than a Hi-Point, but they will serve you much better.
Don' t forget, if you have a good dealer in your area that you trust, you could always go used. I would suggest a good cheap used gun over a brand new piece of junk any day.