It's possibly moot. If the images are blurry to you, then it's no good for your needs and should be returned.
You say you're a student, if you're young you will already have sharp eyes most likely, and can use any magnifier for post-soldering inspection (a cheap, plastic, Carson magnifier would be good, they are aspheric, and give a great flat image with little distortion).
If you do need some magnification _while_ soldering as well as for inspection, then a head magnifier would be more convenient, I think. Optivisor ones are more than good enough for soldering and don't cost a lot (there are cheaper clones, but I have no idea how good/bad they are; they may be fine, too). You'll still save $400 from your $500 budget by going with the genuine ones.
There may be no need for a larger microscope, camera, monitor, etc., unless you're working on things beyond what a typical student may want to do.