<prompt> Human: My SO just got 20K from her grandparents and was thinking of lending me some money in the form of an actual contracted loan so I could get a car. Entirely her idea, btw. Were not engaged yet so she wants to protect herself from anything should we break up. Im looking at getting a certified pre-owned 2011 Prius for around 11K. I currently have 2K set aside for a down payment and plan to try to have 4K before I go to get the car. I have horrible credit 56K in student loans and a credit card I didnt know existed until I cancelled a Chase Account So finding a loan with even decent financing would be near impossible for me. Shes thinking of lending to me at a growth rate equal to what her money would make during the time I paid it back thinking 7 or so. So Id be getting 7Kish from her and then paying it back with interest. Would this be a completely stupid idea on either of our parts? Or is this something that actually makes some semblance of sense?Ninja edit on a misspelling.  <response>: Were not engaged yet so she wants to protect herself from anything should we break up.She would be foolish to loan you money, no offense. You are deep in debt and have horrible credit. 