<prompt> Human: I go to university and I recently got into a car accident and owe someone 1500 in damages. What is the best way to pay this off as a 19 year old college student with zero credit. Thankfully my tuition and housing is paid for, however I have like 200 bones in my account right now and Im certainly in a pickle! I was thinking about taking a cash advance from opening a credit card account and trying to get a job to pay it off over the next month or two to avoid heavy interest. I have to get this done in the next 3 days let me know what yall think, thanks!Assistant: My mom will kill me if she found out, so Id rather do it the hard way and Im sure my coverage will go up considerably  <response>: You really need to talk to your insurance company andor parents. Getting into 1500 of debt overnight is a huge mistake. In the long run it will probably be worse than your parents finding out. 