<prompt> Human: I am looking at taking a programming bootcamp through Full Stack Academy. After factoring in tuition costs living expenses and my current savings, I will need a loan of 15,000 to 20,000.The financing through the school is roughly 1037;, but I am wondering if there are better options. Currently, I make 48,000 a year, have an 840 credit score, do not own a home, but do own a new car owe 5,000 still, it is worth 15,000. My car loan is at 1.937;, is there a way to get a line of credit against my car for a better rate?  <response>: Try asking here first to see if you really need this bootcamp 