<prompt> Human: I recently turned 18, and found a car that I am interested in buying. I have around 6,000 saved up, and the cars total price is 16,750. Right now, I have no credit history, so I dont think it would be possible for me to get a loan on anything, much less 10,000. My parents are in the process of obtaining a construction loan, of a very large sum, and say that they cannot cosign and help me due to the check on their credit. I understand credit in the simplest terms, but dont know the validity of their reasoning. I have a job with steady income, around 1,200 a month, pay no renttaxes, and have had the job for around two years if that would make any ground on getting a loan by myself.Any and all help would be super appreciated, thank you!Assistant: Why do you want to be in debt for an item that will only lose value. Buy a 5,000 car, save 1k for maintenance and repairs. Keep saving. Your insurance will also be far less.Human: The car in question is a jeep, so assuming it wont depreciate much more and I will get use out of it, I find it a good trade off. This type of thing is something I am buying to enjoy as I dont spend my money on rent other utilities as I will not have to. I am enlisted in the Marine Corps and ship off in around a year, and would like to be able to pay the car off while not spending any money in boot camp.  <response>: Spending money on something you enjoy isnt wrong in general but taking on 10k debt for it is. If you can really save up the money in a year just do that.Even then Id say buying a Jeep is dumb unless you really need it for work or live in a place where you cant get around in anything else. 