<prompt> Human: So my 06 cobalt has finally kicked the bucket well before Im ready to start making payments on a new car again. My current situation stands at no student debt, very little CC debt, a glaring 245 tax lien against my credit score. Not much in the way of savings either, having been wiped out by other unforeseen events. Ill also be starting school again wi two months. This is the scary part for me because Ive got no interest trying to pay new bills when I need to be studying. My biggest question is, will that tax lien make it a living nightmare to find a good car loan, or any loan for that matter? Any other observations and insights would be appreciated too.edit: Yes, this was entirely my fault. I hadnt changed the oil in 9 mo. Very stupid and very immature to try and save 20 on an oil change, i know, and now im reaping that reward. This is a prime example of stretching dollars in the WRONG way. Your comments regarding my stupidity are both well deserved and a bitter drink to swallow, thank you! maybe some internet shame will change my ways...  <response>: It seems unlikely a car would seize from a 9...even 18 month gap in oil changes. Unless it was leaking and or burning oil, and thus ran super low? If it was leaking andor burning oil, your real mistake was not checking the oil level, and adding oil as needed. 9...12...etc. months between oil changes isnt ideal, but its not going to cause an engine to seize. Anyway, maybe first you should verify that your car is dead. Have you had someone verify what the problem is? Or can you explain anything other than it doesnt work? 