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Too bad your loan officer wasn't Jim Carey in Yes Man. No real world bank would lend you $45k without having collateral, decent credit (which I assume you don't have if you have no debt/bills), and only make $27k per year. If I were you, I would acquire some debt. Get a credit card, spend a bunch of money on your LT, and pay it down religiously. That should start you on your way. Eventually I would set some career goals, work hard to achieve them, and that vette will be within reach in no time.
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