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With a direct loan, you’re borrowing money directly from a government agency. All loan payments will be made to pay back the government.
If you qualify for a government loan, a number of potential benefits can make it an attractive borrowing choice.
Some government loans come with repayment plans that make it easier to pay.
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For a $3,300 vehicle, this would mean saving up $660. Pay back the loan in 4 years or less. Don't spend more than 10% of your income on payments and insurance. Rough estimate: your annual income should be at least 2.5 times the purchase price. So to afford a car that costs $3,300, you would need to make at least $8,250 per year.

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