<prompt> Human: So I recently turned 18, I have no credit but Im looking to build it. Im still in high school, I cant go to college because of some stupid decisions on my parents part, however, my parents will allow me to live with them for as long as I need to which is a plus I suppose. Im passionate about cars, really passionate, I want to start a YouTube channel about cars, I have the skill set and gear to make nice videos along with some helpful connections but I wanted to film and document an engine swap on my BMW E30, I also want to swap the engine in my E30 anyway. My car is currently worth around 3,500 but E30s in similar condition to mine with the engine swap in my area sell for over 10,000, so it would increase the value of my car considerably. Long story short, my credit union will give me a 5000 loan over a 3-5 year period time at 15 which I know is high but I only have about 200 in expenses a month out of at least 650 in monthly incomeWhat are your thoughts?  <response>: No fuckin way. Dude you are 18 you should not be taking out loans, especially not over 100 and QUADRUPLE ESPECIALLY at 15. 