<prompt> Human: When I was 18, I moved to Alabama. I opened up a bank account with my moms name on it since I was not yet legal here 19 is the legal age. She recently fell ill and asked if she could withdraw some money to help pay for her medical expenses. I told her she could, not knowing how much she would withdraw. She withdrew all of it--8000. Please refrain from commenting on this. I am not upset with my mother. I was planning on using a chunk of that money to help me pay for living expenses while I search for a new job since both companies I work for shut down. I was also planning on purchasing a car since Ill have to travel around my city by myself for my major and I live in an apartment with no bus system.The problem is I am a college student just starting to build credit; I do not have a cosigner; and until something comes through with these job interviews, I am unemployed. Are there any loans that I can take out that will not charge me such high interest rates that I end up in the hole for the rest of my life?  <response>: Not if you dont have any income, sorry. Thats the first question they would ask: how do you plan to pay this back without any income? 