<prompt> Human: Lemme start off by saying that I am currently 19 and I have 1 credit card 200 line of credit and have had it for 2 month. I have never missed a payment for my credit card, as well as my phone payment. I currently have 1 hard inquiry on my credit report for applying to credit card and I was wondering how long should I wait to get a loan personal? Should I wait until 6 months, a full year? I can ask one person who can co sign on a loan but the likelihood of them doing it is slim to none because I do not think they even have a credit score. Other then that I am all by myself.Any relevant information that I think would help answer my question is I have a bring home every month 900, 200 line of credit, 200 in expenses every month, and I have 0 in savings. Had to use all my money in savings to help my brother who had his debit card stolen 500 in savings was all. Any help or advice would be great.Assistant: How much do you want to take out with the personal loan and whats the money for?Human: A personal loan of 1500 can be lower to 1000, but its mainly to build a computer. Have a 5 year old one and I have been wanting to build one.  <response>: This is a bad idea. Save the cash to buy a computer. 