<prompt> Human: My mom needs 3000 to replace carpet and laminate in the main areas of the home it really needs it. She has 1000 dollars saved, but cant take out a home improvement loan because technically her father owns the home. Hes extremely miserly and definitely has the money to loan her but wont and wont take out a home improvement loan for her. What are her next steps? Does she have any other avenues for getting the funds for home improvement?Edit: She does not have a good job or degree and doesnt make enough money to just save 2k. It would take her years to do that.  <response>: If she cant save the 2k, how is she going to pay back the more than 2k that a loan would cost? This is how people get stuck in debt, buying things they cant afford on credit. Solution: bring in more income. 