<prompt> Human: I am wanting to buy my longtime girlfriend a nice engagement ring. Nothing like 11,000 or anything, I just want a descent ring. I found one that is perfect for her and the seller who is an independent jeweler said he would sell it to me for 5,250. The ring was appraised for 11,399.00. My issue is I just graduated college. Luckily I was fortunate enough to only have to take 3,000 out in student loans. But I have not got a job in my degree field yet. But I work a full time job where I make roughly 380.00 a week. I only have 5,000 in my bank account. What should I do? Somebody mentioned taking out a bank loan. So I could pay it off little at a time while also building up my credit. Because I do not have a credit line. Is this a good idea?  <response>: You make less than 10hr. You cant afford this. Building up your credit is the worst reason to take out a rip off loan for something you cant afford. 