<prompt> Human: I am planning on applying for a 15k loan with a 1.5k down payment. However, I have a few things which are making me a bit nervous. I will not be able to have a cosigner, my immediate family has poor credit as in 500, I however make somewhat good credit choices. Heres a look into my situation:1. 20 years old2. 1200 monthly income3. Only monthly expenses are phone computer financing payments 200 a month total4. Longest credit account is 1 year, three lines of credit total with 2200 total combined credit5. I purchased a computer for school but I financed it. Its a Mac, which I chose specifically because Im premed and Im also a programmer meaning I need something that will last a long time. Because of this, my credit usage is 606. I work for starbucks if that makes a differenceAm I reaching too far for this loan? I need a car desperately but I cant keep buying cars that are going to die on me. Im looking to buy a 2014 Ford Fusion.  <response>: Youre setting yourself up for a life of debt. You probably dont want to hear it but financing a computer is not smart. You should save cash for a cheap car. You have 1000 per month to save 1200 per month minus 200 expenses. Theres no reason you cant buy a cheap car with the cash you have, pay off your computer, and save cash for a better car. Financing a car right now is not financially smart. 