<prompt> Human: Hi guys, Recently Ive been trying to apply for a personal loan of 50 to relocate across the country from PA to CA. I have okay credit with a score of 710. Im currently 15k in debt total and I just paid off my car loan and am currently waiting for the title to come in the mail. I dont understand a lot about how credit and lending works but I figured with an okay credit score and having shown recently that I am competent in paying off debts with my car that I would be okay to at least get approved for something. But Ive tried two institutions so far and have been completely declined on both accounts. I make 2500 a month at my current job along with an added 850 for disability reasons. I dont have a minimum payment for my credit card 15k but I usually pay about 200-500 a month depending what I have left over from bills. One of the banks I tried to borrow from said they had an APR of 8.99 which would equate to about 900 a month over a 72 month term which, in my eyes, I am capable of affording. Could someone please shed some light on this situation and possibly help with an alternative route? The moving to California expenses are including shipping my car, pets and finding a place to settle first month and last months rent as well as potentially paying a few months in advance in order to give myself time to find an adequate job. I really appreciate any help and suggestions. Edit:So general vibe is I ultimately cant afford the 50k which is understandable. So applying for a lower loan is probably what I am going to look into if at all. I appreciate the feedback.  <response>: Nobody is going to give you an unsecured 50k loan. You cant afford it. 