<prompt> Human: We applied for a car loan at US bank, but unfortunately were turned down. We werent given any details about why so Im hoping you guys could tell us. Basically Im going to school right now and work part time, my wife works full time. She has a bachelors degree in Psychology and works at a youth shelter for 11.90 an hour. I work as a tech associate at Staples and get 10.90 an hour. Im working toward a computer science degree in software engineering. I get around 18,000 a year in loans and grants, and around 10,000 of that goes to tuition and fees, the rest I get to keep. My credit score is 698, hers is 735. We have never missed a payment on anything ever rent, credit cards, utilities etc. And always pay the entire amount of our credit cards every month. Our rent in 865 a month We live in Portland, OR. The car we wanted would have been between 6000 and 8000. We did the math and we could easily have afforded a 200 car payment a month, so we are both kinda wondering why we were turned down. If they dont count student loans as income, then I understand why. We couldnt afford it without the loans, but definitely with. Would there be any place we could go to get a car loan? Or would we just be out of luck? This is our first car loan too.  <response>: Slightly unrelated, but that extra loan money you get to keep... dont. You have to pay that back. 