I'm going into University of the Pacific as a musical performance major. I play bassoon and currently don't own my instrument. I rented one out from the school but it really sucks and I sound like utter crap on it. I'm not eligible for a nicer one because the graduate students and upper classmen get seniority over them. I got a full scholarship to go to the school playing bassoon based on my performance abilities, academics and financial need, but I still need to buy a bassoon. The bassoon I want is a Fox 601 and costs roughly $20,000. I applied for the student loans at Wells Fargo and Chase with my mom as a cosigner and was declined both. My mom has a credit score of about 735 and since I just turned 18 a few months ago I have no credit. I was wondering if anybody knows of any loans out there that are easy to qualify for, or free savings accounts with good interest. Student loans would be preferred so that I don't ahve to pay it back until after college, but any will do. I have about $1,000 saved up and should have about $5,000 by the end of the summer. Thank you for your help.