<prompt> Human: So, I recently turned 22, am currently in my last year at university, am only capable of working 20hrs a week max at my current job and can only earn about 400 biweekly, but I have decent credit. About a year ago, after I got into a car crash, my mom and I ended up signing on a 8k loan to buy a new car. Since then, weve had 2 cars break down on us and we are down to literally 1 vehicle to cart around 4 family members. I want to buy a new car so I can get a better job, but I have no idea what to do. Ive tried to get a loan but I was denied because I cant be pulled off the other loan since my mothers credit is shit. Honestly, any ideas at all would help at this point, I just need to get the money to buy something decent off Craigslist.  <response>: no solution, your credit is tapped, you would need to come up with cash to buy a beater outright. its going to take 3 months to come up with a few grand even if you save every penny. 