<prompt> Human: I 20m am looking to get a 12,000 auto loan. My job requires me to drive often and I commute to school during the week, so Im getting a reliable car as opposed to the one I have now. I have a very low income, because I am a student, but I dont have any monthly expenses. I still live with my parents and they still pay my bills. Im very lucky. Will a loan officer take into consideration that auto insurance, auto loan, and the occasional auto maintenance will be my only expenses? I have a 710 credit score, but I havent been building credit for very long. Any help would be greatly appreciated!  <response>: They take a look at your income. They really only care about your DTI, your credit score, your income, and the cost. 