<prompt> Human: My credit score is pretty bad right now550 due to previous medical bills. I have a steady job and Im currently in college. I make about 4,500Month. Sadly about a year ago my father passed away and one of his prized possessions, His 1970 Volkswagen Bus was sold to someone else. I always told him I would keep this bus with me forever because it was his first vehicle. Recently it came up for sale and Im trying to do everything I can to get this bus. I cant get an auto loan because the vehicle is considered a classic so my only other option would be to get a personal loan out for it. I need to borrow about 20,000, I would be able to pay it off within the year. Ive been told to get a loan from a credit union but I have no experience with that. How could I make this work, I know it sounds like a horrible decision but this is something I really want to get back.  <response>: Im sorry, but youre not going to get a personal loan for 20,000 with a 550 credit score, and if you could, youd pay usury rates for it. You have to live within the realm or reality here. I realize you made a promise to your father, but your father wouldnt want you to take something on that would put you into such a horrible financial spot. Take care of your life and your finances, there are better ways to honor your fathers memory. 