https://ficoforums.myfico.com/t5/Auto-Loans/unreadable-title/m-p/5095939#M74776 <P>If you parents agree to cosign, I would first apply on your own and then if they require, use your parents to do that.&nbsp; You parents must be able and willing to make the payments if you are unable to and you must pay that loan first above all other debt since they cosigned for you.&nbsp; It may be possible a year or two down the road to refi on your own in which case I would do that as soon as you can.</P> Sat, 18 Nov 2017 11:10:20 GMT marty56 2017-11-18T11:10:20Z https://ficoforums.myfico.com/t5/Auto-Loans/unreadable-title/m-p/5095856#M74771 <P>.</P> Mon, 20 Nov 2017 08:30:18 GMT https://ficoforums.myfico.com/t5/Auto-Loans/unreadable-title/m-p/5095856#M74771 Anonymous 2017-11-20T08:30:18Z https://ficoforums.myfico.com/t5/Auto-Loans/unreadable-title/m-p/5095939#M74776 <P>If you parents agree to cosign, I would first apply on your own and then if they require, use your parents to do that.&nbsp; You parents must be able and willing to make the payments if you are unable to and you must pay that loan first above all other debt since they cosigned for you.&nbsp; It may be possible a year or two down the road to refi on your own in which case I would do that as soon as you can.</P> Sat, 18 Nov 2017 11:10:20 GMT https://ficoforums.myfico.com/t5/Auto-Loans/unreadable-title/m-p/5095939#M74776 marty56 2017-11-18T11:10:20Z