<prompt> Human: I was going to pose my question in the weekly help thread but I ended up writing so much that I know it needs its own thread. Please help me!This will be my first year taking out student loans, and I already have credit card debt to pay off. My credit score is fair but I expect it to be good next month when my discover balance is paid. The problem is Ive never been good at saving or money in general. see: credit card debt. My only saved money is from last Fridays payday.Im a delivery driver and I average 17 an hour. Ive got 20 hours this week, and I can hope for at least 40 more before I go off to school. I drive my parents car, which they barely use anyways, but I cant take it away to school 90 minutes away.I understand taking out a car loan isnt very reasonable at my age. But I think it is very important for me to continue working while Im at school. I pay for almost everything myself. My parents are both on disability, and when I turned 18 last year they lost 200week. Although we may be able to scrape by without me working, I like the independence. Im not good with money, Ive made a lot of mistakes in this past year and Im finally learning from them. I would like to continue this learning process.If I have a car at my school, I will definitely get a job I already applied to a few. Id like to work 10-20 hours a week. I think this would allow me to reasonably pay for my car loan, insurance, gas, phone bill, as well as have money to put aside and finally start building a savingsemergency fund.My parents, as you may have guessed have awful credit. My father has the better of the two but its likely poor maybe well check later. He is on a loan for the car Im driving right now, with our close friend and neighbor as a co-signer. I dont think anyone could accept either of my parents as a cosigner.Ive tried my loan options, but it always comes down to a cosigner. Do I have any other options? I never really considered having my neighbor or dad as a cosigner, but could it work? How should I calculate my annual salary for loans when Ive only been working this job for 5 weeks, and my income has been so variable this past year? How can I prove this salary?Ive educated myself a bit in personal financecar loans and my senior year math class was life skills math; so please dont patronize me. I dont know a lot, but Im not the typical 19 year old either. Im not trying to toot my own horn though, Im clearly in a worse position than my peers.Im trying to grasp the reality of my situation, and figure out how I can survive this school year living frugally. But if I have any options, please help me out. Starting to consider not starting school until the second semester, or even next year. But theres plenty of reasons I need to start now.tl;dr I support myself financially, and need a car when I go to school in a few weeks: but I cant get a loan with no cash down parents with bad credit.edit; I appreciate the anecdotes, but I also wonder if anyone is considering the part where I said Im financially independent. Wish someone who shared also didnt have a safety net from their parents. And when I said I was educated, I meant I could run the numbers.Unfortunately my school is small without many options for work or public transport.Regardless, I guess that was what I needed - some anecdotes from people smarter than me to tell me to stop considering it. Still a lot to do on my end but Im glad I have a better scope of my options.Thanks, from a dumb poor kid  <response>: You dont need a car, you want one. Im sure you can find a job near campus or on campus that wont require a car. If you already have all this debt, and no safety net from your parents, buying a new car would almost certainly drown you. 