<prompt> Human: As title says, BF 20, lets call him Jay, wants to get a car out a 2nd hand lot, probably a Mustang or Camaro around 2014 because his 2002 Mercedes CL 500 has gotten too expensive to fix and no longer seems worth fixing. He doesnt have an official job, he works under the table doing tattoos for friends, also does side jobs which pays him around 300 biweekly and is a full time student for a bachelor degree in Criminal Justice. He has had only one credit card for almost a year now with decent credit score, 670. He said he would use his father as the co-signer because he has 740 credit score, but his father doesnt have a social security so Im not sure how that would work at a 2nd hand lot. Also, since he works under the table, wouldnt it show his income being zero? I want to know if its in his best interest to just wait until he either gets a real job andor finishes school? Im scared that the interest rate will be high due to him not working, barely a year with his one credit card line, and his father not having a social security, but I honestly dont know anything about finance and autos, and Jay is being stubborn so I would like outside advice. Thank-you in advance.  <response>: No, buying a car worth what he makes under the table in a year is not in his financial best interests. 