Buying an Instrument

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.

i can't really offer much advice but i was curious as to one thing..

do the upperclassmen all have their own bassoons? if so why are they using the school-issued ones? (and if they don't have their own--why would you need one yourself?)

Most upperclassmen do own their own bassoon, but I guess some don't find it necessary to buy one when they can rent one. It is better to buy one as early as possible because every bassoon is different, even ones that are the same model, and if you get your whole education on the bassoon you are going to be using for the rest of your life (or at least early audition) you get of have a better feel of it and the tuning and resonance of your bassoon giving you a leg up in auditions. And Auditions now a days for symphonies are VERY competitive so you need any advantage you can get.

So you'll have $6,000 to spend on the bussoon, did you apply for a loan of 20 grand or of 14 grand, it might make the difference in being approved.

Yes, I still wasn't approved. I don't understand who can qualify for thee loans.