<prompt> Human: For a little background, I am a junior in college I will graduate Dec. 2019. I am majoring in Psychology with a minor in Neuroscience. I also have an Apprentice Electrician license. I earn around 320 a week as a cashier in campus, which I use for foodfunsavings, and receive refunds from financial aid per semester which fully cover rentservices for about five months. Without going much into detail on the surgery, the estimated cost is around 18,000. It might be worth mentioning that my credit is only 689, so not many options here. I currently have 1,200 saved up. As far as I understand, there are secured and unsecured personal loans. Would getting a secured personal loan with my savings from now until summer from an additional job placed as collateral be a better option? Or an unsecured for the remaining amount needed?All advice is truly appreciated. Thank you for your patience.  <response>: That is a large loan for someone who doesnt earn much. Can you wait a few years? 