Tried getting a Loan at the bank, no can do with no credit (age 21). My parents won't cosign on it. Don't know about Financing the equitment, thought about government loans because they have a lower interest rate, and maybe even a grant. What did you guys do? Thanks. P.S. I think i may take a small loan out, just use that money to pay it off just to establish credit so i can get a biggger one.