<prompt> Human: I am 18 so my insurance premiums are, understandably, higher than most. Back when I had auto insurance my premiums were 120mo which in all honesty wasnt too bad.Back in December of 2015 I was involved in an at fault accident that caused 1,000 dollars in damages and my rates went up to 150mo which really wasnt too bad. I hThen just before Christmas I lost my car to the police for using my vehicle in the commission of a felony. Since then I have not been insured.I applied for auto insurance recently and found out that my rates were around 350mo. I honestly cannot afford this because I only make around 400 dollars a month and my parents are unwilling to pay for it since they already bought the car.I am thinking about doing some of the following use student loans to pay for my insurance for a few months use student loan to buy a motorcycle and pay for the insurance myself only 34moI know that for every month I go without auto insurance my rates will continue to rise and I really cannot stand not being able to drive around anymore. Any advise here?edit : I should clarify, I might not be low risk but after the accident my rates only went up small amounts, but now they are astronomically high compared to what they were right after the accidentAssistant: Your not going to like this, but your not a low risk driver. You are, in fact, a high risk. Im more amazed your rate quote isnt higher. While technically, you can use student loans for living expenses you shouldnt. Loans eventually come due, and when they do... It sucks. Do yourself a favor. Sell your car and SAVE the difference. Use uber instead of paying the 400mt. It sounds like your making a lot of impulsive choices, so take some time and evaluate your life and goals. Human: Can I use my Pell Grant money? I got 5445 dollars but I have no expenses for school since I am on a full ride scholorship.Sadly it is not my car. My father will not sell it and using uber will run me dry quickly given my job.  <response>: Buy a bicycle and some comfy shoes and dont commit any more felonies 