<prompt> Human: Greetings finance advice philanthropists,I just graduated with my doctorate in Psychology. While focusing my world for so many years on how to be an excellent psychologist, it seems I neglected to learn good personal finance.I have my first job- 73k annual gross income in a federal job, and I need a car.I have never financed a car before and need advice.According to my credit reports, my money management behaviors are good to excellent. My on-time payment of credit cards is 99.9, my history is good, etc. However, my score is 647. It seems that the only thing Ive done wrong is invest in myself through student loans...A LOT of student loans...This is embarrassing...250k. ::calming breaths:: I dont regret it- I am so honored to do what I do. And because I will work federal, most will be forgiven in 10 years.My Question- How should I apply for a car loan to get a decent interest rate?I have a spouse whose score is 723. His monthly income right now is 900.He declared bankruptcy 5 years ago btw- WTF!? Im an angel in comparison and my score is less??!Should I alone apply for a loan? Or should we both apply for a single loan? Or should my spouse and I both apply for separate loans and use the one that gets the best interest rate?  <response>: Is biking possible? Can you get a car off craigslist, rather than buying new? 