That would be fine. Except: no education, no business experience, girlfriend or mommy and daddy got the loan (I am a millennial, but I asked for an AmeriTrade account for my 13th birthday - it was my dad's, but he gave me full access to it without any of his funding - and now own my own fidelity account and even high risk enough to invest in bitcoin). These people lived in a car in Portland and bragged about it to ADN. Here's $5000 a month to rent that spot with no business plan said the loan officer.