<prompt> Human: The F credit score is a long story, although one that I think most people are somewhat familiar with - between a seven year long medical process and associated personal difficulties, my creditors were often hounding me for months before I could get my act together enough to pay. However, I currently hold no debt, and I have, for the last 17 years, earned well within 100K. Before you criticize my obvious irresponsibilitie, I would submit that Ive always been rather averse to credit.. and in general, have paid in cash for nearly all of my worldly belongings in the last decade. Of course, I do not own a home nor do I have any investments that might make this easier. Due to medical issues, it took me up until a few days ago to file 7 years of back taxes with the IRS. It turns out, they owe me a good sum - 22K. At this point, I am taking a break from working due to burn out and stress I work a very demanding job, and I would like to attend a software development intensive that is rather pricey. Rather than sink all of my liquid 22K into this program while Im not working, Id like to take out a short term loan to cover the cost, and pay the loan back within a period of 6 months. The program itself is rather lucrative, and I think will greatly increase my earning power and flexibiilty. Of course, I also want to begin the process of repairing my credit as well. Maybe there are some here who have been in similar situations than me - Redditors, how would you go about procuring a short-term loan with poor credit, considering you have enough money on hand to cover the loan itself. Ive never done this before, so any perspectives would be greatly appreciated. Thanks!  <response>: I wouldnt. I dont see why you cant save the money for this endeavor. 